Credit cards give you the opportunity to spend more money than you have in your bank account and give you the endless possibilities of deferred payments and buying things at great discounts. That is a fact. But have you ever given a thought to if these were the best solutions to live according to ? Have you ever sit down and pondered the fact that what lies behind credit card offers all around you are not the solutions you are not supposed to benefit from? Isn´t it true that in nowadays world no one will give you something at the price he cannot earn at? Well, yes, that would actually be the truth. Now let me explain it to you in the best possible way how come that you end up in more and more debt as the time passes by although you bought the things at discounts. And this is only the debt you may find yourself into per one of those 3, 4 or 7 credit cards you probably have in your wallet, just as any average citizen does nowadays, unfortunately. Let me take some very graphical example in order to make the explanation as simpler as possible so everyone can understand. You are walking down the street and there is a big, eye-attractive offer for HDTV plasma screen you have been planning on buying for quite some time already. And it says that the offer is "only" 2250$ at discount. Who would pass on that offer today? Only a lunatic, you would say. The next thing you know is that, thanks to that tiny, plastic card that is seemingly opening the world of possibilities for you, you are inside the shop buying the long desirable screen. Not knowing that your happiness won´t be long lasting actually. Now, let me put down to paper all the taxes and interest rates accompanying the purchase of the screen to see how much the screen is going to actually cost you in the end. If the interest rate, minimal interest rate on the credit card you use is 21% and the calculated monthly payment of this screen is for you "only" 44$, you will need more than 4 years to pay off the debt, and in the end your purchase will cost you with this calculation 5713$ . So, if the offer you saw, held 5713$ digit on, instead of the one saying the price of the screen was ˝heavenly˝ 2250$ would you had allowed yourself the purchase? I am afraid the answer is negative. Am I right? But face it! That is how we all fall into one very carefully and cunningly set trap if we do not pay attention and do not give ourselves time to ponder things over. Though, do you think the suffering ends there? This one purchase will one day cost you more than ˝few extra˝ dollars only. It will cost you nerves, health, sleep, marriage, family problems and gods know what else. But there is always the way to live debt free in a debt based society. You just need not let others outsmart you.