Marcus Atwater

People are passionate about credit cards.

For a lot of people, it's a love/hate relationship.

For some, it's simply hate.

Alien Mermaid is not alone. Lots of people hate credit cards.

Lots and lots.

And that hate is understandable. Many would rather use cash or debit cards.

After all, credit cards are debt instruments that charge huge interest rates and come with a zillion fees.

But credit cards serve an important purpose.

Establishing good credit is an important element of personal finance. A good credit score means lower interest rates on home and auto loans, whereas a bad credit score could mean the difference between getting a job or not, since many employees eliminate job applicants with poor credit histories.

Credit cards are tools. Hating credit cards is like hating hammers. If you accidentally hit your finger with a hammer, it's not the hammer's fault.

When used wisely, credit cards offer benefits that cash and debit simply can't. Responsible credit card use boils down to buying things you can afford and paying off your balance every month. It's easier said than done, of course, but it's well worth doing.

So hopefully one day more of us will be saying this:

Marcus Atwater has a 666 credit score and he's not ashamed to admit it.

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