Reply by mmh

I like to use a credit card in the event that there is a dispute of the merchandise, as the credit card company can be a liason in helping you fix a problem with the vendor. BUT, the key to wise spending is to pay off the card before the interest rates eat you up. If you only pay the minimum amount, you are becoming a victim of addiction to the “Buy Now, Pay Later” syndrome and you will end up paying many more times for the items purchased for many, many years. Thus, a $20. item becomes $200. because of the interest paid over 3-5 years it took you to pay it off. Be wise, buy wisely.

-- "They who dream by day are cognizant of many things which escape those who dream only by night." ~ Edgar Allan Poe