Whether its hype, or banks ubiquitous marketing
methods or actual need, it now seems unavoidable to
live without a credit card. And now they are
relatively easy to get.

If you have a pay-slip, you can always get one. There
are even others designed for the subprime markets, for
people with NINJA status (No income, no job no

It's hard to get a hotel booking (in some hotels, at
least) if you are card-less. The many internet firms
selling merchandise online will require you to pay
using a credit card.

The reality is that the cards are not for everyone,
and those with less than rosy credit card history will
find that it is actually hard to acquire one, and with
the interest charged on some of them almost equivalent
to the price of an arm and a leg, many exasperated
credit card customers are opting out.

The trick that many who are annoyed by their credit
cards don't seem to appreciate is to stay below the
limits of your credit.

Unless someone is confronted with an emergency and has
to incur some expense, there is no reason for one to
flush out the card at the slightest excuse. The best
thing is to use them as they are real cash.

Self-esteem is said to influence how one behaves in
public, and if by flushing out a plastic makes one
feel good in public places, the person may find out
that that self-esteem is under attack when the bills