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Credit cards are funny things.
It seems that almost everyone gets one around age 18 as part of their integration into adulthood. This scenario may seem drastic, but it's happened to most of my friends, acquaintances and co-workers. Some of the charges were justified, like university books. Others, like shoes, belts and the trendiest jeans, were not. The problem is that once people get into the charge cycle, it's difficult for them to get out.