The use of credit cards is much more dangerous than use of checks or cash. Paying with cash is very easy; for knowing how much money is available and how much can be spent makes it very hard to get into debt. When paying with a check the process is a bit trickier; the exact balance has to be kept on the account at all time. Knowing what this balance is and continuously replenishing it …showed first 75 words of 472 total…

…showed last 75 words of 472 total…for things that they would normally pay with cash or checks. Credit cards are probably money of the future. Most of today's consumers are not ready for this paper-less way of payment. Shoppers have to get used to using plastic cards as carefully and intelligently as they would paper money. And although it is much easier to use a little piece of plastic, people have to watch out for high interest rates and overdue payments.