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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 …

…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.