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Credit Cards- Ready or Not Free Essay, Term Paper and Book Report

A large portion of economies debt is the result of most Americans not being ready for credit cards. This is an issue that needs to be addressed and should be given thought to when budget cuts are being made. A credit card is a great tool to have as long as people are aware of the duties and responsibilities that come with it. You have to be sure that you can maintain your budget and that you can afford the monthly and annual fees. Most Americans have trouble with that. They do not understand that a credit card is a large responsibility and cannot be used for just another source of income. Another contributor to credit card debt is the amount of low income families using them to get by. Of course, the economy is in crisis, but a credit card should not be used unless it is a guarantee that the money will soon be available to pay off the purchase. To apply for a credit card implies that you have thoroughly read the terms and conditions of the contract and that you are ready to accept the responsibility of the charges you will make. However, not everyone reads the fine pri......

Word Count: 962
Page Count: 3.8  (250 words a page / double spaced)

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