I went crazy in college....I used these damn things for evil and they have returned to bite me in my ass. An 18 year old with a credit card is like an addict with a crack pipe. The outcome is not going to be a positive one. 10 years later and the breadth and width of my damage to my credit and financial stabililty can still be felt. To anyone out there with good credit, KUDOS! To anyone out there with not so good credit, know that you are not alone. To my younger folks out there, don't get suckered into the fantasy, but only utilize it for necessity. I wined, dined, and dressed off that shit like I was living the lifestyles of the rich and famous. An ignorant move on my part. But you live and you learn to just say No! Isn't it weird how this simple phrase becomes more applicable to your life as you get older...LOL.
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Believe you me, I am saying no more and more every time I visit my mailbox!
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