I tend to agree that credit cards are the "evil debt". I mean, when itcomes down to it, there are only three uses for cards.1. Convenience - "I have the money to pay this and will at the end ofthe month"2. Emergency - "I need this, but don't have the money right now. Iabsolutely must have it though" (Car Repairs, etc.)3. Indulgence - "I want this, yet I don't have the money. I'm gonna doit anyway though and pay 20% interest for the next 6 years."Now, if # 1 is true, then either get a debit card, or make darn surethat you pay the balance each month in full.If # 2 is correct, then credic cards are somewhat useful as short-termloans. However, you'd better do your best to pay that off as quickly aspossible else you'll get swampped with debt.# 3 is the situation I imagine most people get themselves into (myselfincluded in college). DON'T DO IT! :) Material things are cool and all,but when you figure out what you actually paid for it, you'll be sick.So, pay them darn cards off!Best,David
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