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on Feb 7th 2005, 05:58:01, Joan wrote the following about


Credit is not only very useful but also necessary in modern life. Very few people can pay cash for a car – let alone a house!

Credit can be very seductive, however, and be a source of trouble and despair. It is all too easy to use a credit car to buy too many meals at restaurants or too many clothes or electronics.

You might say that credit is like fire that both warms and burns or a sword that cuts both ways.

Manage your credit wisely. Pay your bills on time and don't over-extend yourself. Then you will continue to have a favorable credit rating and be able to obtain credit when you really need it.

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