Visa, MasterCard, American Express. These little pieces are plastic are the reason why so many people are in debt. However, are they really the reason why personal debt is through the roof, or is it something larger? I've had a credit card since I was 18 (only three years ago so I'm pretty new to this) and I've always paid off every bill without any difficulty. A credit card can be a great tool if used properly but lethal to your financial health if you're unaware of the pitfalls.
