Debt has been part of the total human breathing system in one form or another. Except for rare exceptions, almost all of us have financial debt from someone and most often than not it is usually in the form of credit card debt.
Credit cards are heaven's sent. It is the easiest way to shop and to buy something without bringing cash with you and credit card companies also offer various payment scheme that you do not have to pay how much you owe in one drop.
Looking at credit cards as some blessings, it has both advantage and disadvantages. As long as you pay it regularly and more than the minimum amount required, you can lower down interests and other fees. But oftentimes, you only pay the minimum and that's how these institutions make money.
