Credit Card Power

Are young people doomed to credit card debt? Are we naive in failing to resist credit card vendors? I think being more educated about the threat of credit cards is the solution.

The power of credit cards is in our hands and it is a screaming temptation. We spend more when we have a credit card than cash (and that's a fact). All you have to do is swipe your card and sign to purchase. Voila, you have a loan! It's "all good" when you're using it, but when the bill comes you think, "How did I spend that much in so little time?" Right?

Can we really afford our credit cards? Well, I am in that circle, and trust me, being a young adult with that much freedom costs! So I am trying my new slogan called, "If you ain't got it at the end, don't dare spend." What that means is, if my bill comes and it surpises me with a big total, I will slow down and take another approach.

I think young adults don't have to be doomed by credit card debt. There are solutions, such as sticking to a budget or having a low credit limit on your card.
If you find you still can't handle a credit card, then go back to using a debit card. (A debit card withdraws money directly from your checking account, like a check.)

Remember, though the threat and power of credit cards are there, they don't have to get the best of you!

If anyone feels strongly about this like I do or has any advice or experience to share, please post your views.