Dealing With Debt

We made the mistake in our college days of signing up for every credit card offered to us. It surprised me that anyone would give us credit considering we were a young married couple with no means of repaying the debt we were accumulating. For young people is seems that obtaining a credit card is far to easy. Few realize the responsibility that comes along with having a line of credit. This then results in late payments and negative marks on their credit from late or delinquent payments. When used by a responsible adult credit cards can be an amazing tool to leverage buying power.Responsible credit cards users will realize wonderful perks like 0% balance transfers, fixed 0% credit cards, and other rewards. Having now become responsible credit card users we are enjoying many of these perks and love the convenience our credit cards afford us.