joan wrote to cyber****:

>>> Certainly people who can't manage their finances (which is not a
>>> denigration, we all have certain areas that need improvement) then
>>> credit cards are not for them. For those who can, then they're great
>>> tools.
>>
>> No they aren't.
>>
> And you are basing this sweeping statement on what???

cyber**** has a negative outlook on credit cards because you can't buy crack
cocaine with a credit card. That's why cyber**** insists on being paid
fifteen cents CASH MONEY for its services.

Bob