Yeah, these are just a few of the stupid and careless things that you did with your credit cards, and the full list would create its own shelf in the bookstore. So before you need hindsight, and forty extra working hours in the week, take a look at the reasons for obtaining a credit card, why and when you will use it, and if any of these reasons are pertinent to you.

Weighing Out the Long Term Costs

When you are young, and living in the moment, your last thoughts are about owning a home and paying the monthly bills. So instead of focusing on these concepts, take a moment and focus on the here and now. Imagine having to take on a job shoveling pizzas and grinders at the nearby campus hot spot so that you can pay for the credit debt you’ve racked up in the past three years. This prospect might seem a bit daunting, but it takes on more prevalence when you realize that you are slaving away making pizzas and such for your party hardy friends so that you can go out with them after the shift and re-spend the “plastic cash” that you just worked eight hours of hell to make a dent in. And for a third scenario... you have a great nine to five office job, but you have to spend your nights and weekends shoveling pizzas to pay off the credit cards because your 30K a year salary won’t cover your rent, food, student loan payments, and the 30K in credit card debt that you raked up in college. Yes, my friend, these are the reasons why you need to back away from the credit card vendors, rely upon the hard earned, very dependable, and non-payment induced green cash that rests in your wallet and bank account.