Credit Cards are just too convenient. It seems so easy, just put it on plastic, and worry about paying for it later. After all, it's better than taking the money from your bank account, right? Besides, you can take years or even decades to pay it back, Surely you'll be able to make the money to repay the debt way before then; and if not, well, the problem will probably just handle itself.Unfortunately, it all adds up, and before too long it's a major amount of money. But that's the way it starts, just a credit card, a few purchases, and you find out how easy it is to get those things you want or those gifts for someone else.