nothing wrong with credit...most people just dont know how to use it responsibly....or how to read fine print and get good cards

too many people use them stupidly...and younger people using it to keep up....need a new laptop, tv, ipad.....or they have to drive a nice car to feel like they are doing ok...then they dont have money left to eat out and do fun things

plus alot of people are lazy....if u are getting in trouble with credit...get a side job to work it off...too many are lazy and think a 2nd job or a part time 2nd job is the end of the world