In the western countries a lot fewer people actually use cash, for a lot of professionals, using a credit card is like the norm. and while sometimes its good, other times if can destroy you, especially when you are unable to pay off those debts. which is why there are already companies that offer a bad credit credit card, which is supposed to give the person the chance to redeem his credit standing and get back up.
Its a good thing really, because it helps a lot in regaining confidence, and in the long term, helping the individual in making better credit decisions.
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