Confession: I am a former credit-card addict. Many years ago I racked up huge debts, played all the games of transferring my balances, thought I was very smart, la la la.
Today I have zero debt, and am much happier. (Smarter, too.) I think many others could be happier in this area, as well. I suggest we all break free of credit cards and stop using them.
How do credit cards relate
