Debit. It is so deep in American Culture. We go into debit for not only houses and cars but just plain stuff as well! Here, people will finance you a pet puppy! We have credit cards that are easy to use (too easy) to satisfy that new manufactured want or need. Check out this for example. By their ads, you would think it is the second coming! Watch the people lay their money down or credit! I recently paid off a credit card (my only one) and thought about closing it out. I had to deal with a flood of dire warnings about how it would hurt my credit rating. My credit rating. Somebody will one day look at this number and decide if I am a low risk. It may look good at the moment but if I dig myself in deep enough, this same yahoo will decide I am not so credit worthy. Pay off stuff on time, play the game, no good they will change the rules on you. Once you get into the debit trap, your managers (the ones who see you as an expense) have even more power over you.
If you are fortunate enough to still be working, GET OUT OF DEBIT! The less you owe, the more flexibility and control you will have. Debit is the new slavery. The laws are made by the credit card companies and banker types for their benefit, not yours. If you owe off to work you HAVE to go.
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