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A credit card can be a great convenience. Further, it is easy to acquire. However, if it is not used prudently, the card can become one's greatest financial adversary. In today's society, it is easy and common to charge one's purchases to an account or credit card. However, paying for the purchases when the monthly bill arrives can be more difficult. By simply reading the newspaper, we become aware that the availability of easy credit …

…factor. Another factor is the excessive use of credit in consumer purchases. In some instances, the consumers may seek to purchase items that are more suitable to, or affordable by, persons having greater incomes. In other instances, sickness or injury in the family may be an underlying cause of consumer debt. Regardless of the reasons, consumer debt is something that we must seek to control. We can begin by using our credit cards more prudently.