Society has brainwashed people into wanting what they can't have. People go beyond their means to purchase items and homes they cannot afford to own. Credit card companies are monsters that prey on people's wants and needs and prey on their customers when payments are not on time. However, it is not entirely their fault and it would be foolish to place all the blame on these companies. The reason people get into credit card debt is because they don't understand how they work. People don't want to save their money to buy the items they want or think they need because that can be time-consuming. Furthermore, people often think that by having expensive items others will think highly of them and will buy these things to boost their ego and show off in front of their friends. People don't really understand how credit cards work. There's more to it than just swiping and paying for items later. Credit cards charge interest on items that people purchase with their cards, and those people end up paying a lot for those small items later. If people were taught how credit cards work and were exposed to calculator charts before using plastic cards, fewer people would likely use credit or use it only for emergencies.Collins 2Having good savings skills is essential to having a credit card. Too often people take their credit card and go straight to the mall and purchase all these unnecessary items. People who use credit cards without intending to pay the full amount should be extremely frugal when spending money on credit cards. Missing a single payment on a credit card bill can triple your interest and will do so without hesitation or notice. As technology makes things more easily available to people,… half the paper… of them. What people like these don't understand is that even if they bought a brand new car or house, they couldn't afford the maintenance on that car or house and wouldn't go into debt. “Debt robs a man of self-respect and almost makes him despise himself.” People also get into debt by trying to provide the best for their child or by overcompensating their child. The parent may not have grown up much, so they showered their children with plenty to make up for their childhood. Parents will end up in debt and will also end up with children who probably won't have a clue about the value of a dollar. The child will have false illusions about the real world and will believe that money is a luxury that he can always afford and this is not the case. Money should be earned, appreciated and spent wisely so that a person does not end up in financial debt.