Madness! Credit cards lead to spiraling debt by encouraging a buy now, PAY through the roof later culture. Ease of use helps people forget that they're spending hard money, moreso than cash.
Can be ruthless in reclaiming spiraling debt, people have become bankrupt and lost house and home because of credit cards.
Often seduce impressionable people with an array of asthetic/colour options, promoting it as a fashion item to be flouted!