Few people would deny that using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone.
However, spending with plastic can sometimes be a little too easy, as it doesn't always feel like you're actually parting with any cash. This means the temptation is to spend without thinking about the consequences too carefully, until you hear the ominous thud of a huge credit card bill hit...
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