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Originally Posted by TheWolf
rofl.. don't have credit cards to begin with then you won't have reason to write 3 long paragraphs on zilvia.. Imagine if you had all this time you were dicking with this charge back..
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Credit cards when used properly are a good credit builder as it shows a continuous revolving history, the problem with cc's is usually because of the user. If you don't have credit how do you expect to purchase a house or a new car? They are a helpful tool in emergency situations as well. Its just most people abuse it and buy everything with it. I certainly wouldn't go for some generic best buy card though, those are usually the biggest ripoffs.