JOURNAL IV Nowadays, one of the most indispensable things that a person must have is a credit card. The majority of the population in the world takes advantage of them. Using credit cards have become as common as to have a cell phone. There are some negative and some positive aspects about the use of credit cards. The first positive aspect of using credit card is the one related to people’s opinion that carrying high amounts of money in their pockets could be dangerous, and by using credit cards they are preventing being robbed or mugged. Another benefit it brings is that if you do not have money you can buy almost everything with them. On the other hand, there is the people that believe that credit cards are more dangerous than burglars, this means that although the users of credit cards feel comfortable and protected with them, they are also tempted by the overuse of them due the fact that at the same time they result very helpful because of their benefits, the overuse of them can bring big debs with them. To sum up, it could be said that the use of credit cards has to be moderated in order to enjoy of the benefits of them.