Marlene Biondo Credit Cards may be the answer to some people's problems, but they can also be a drain on personal or family finances. The convenience of credit cards is an obvious advantage for the short term goal of purchasing what you need, when you need it.
Credit cards do come in handy.
Emergencies occur where you may need to use a credit card. But in the long term, credit card balances can devastate overall finances. Many of us have to learn the hard way, myself included. If you do use a credit card, it pays to shop around for the best credit card rates. The lowest credit card rates can be found by calling the Bank Card Holders of America.