WNPP bugs are like debt
Credit cards can be very useful, provided you pay off your outstanding balance at the end of each month. If you do not, the debt can pile up, and will be sticking with you for a very long time. Credit is a tool - it lubricates the economy. Without it, production would grind to a halt. However, it is very important that creditors lend only as much as debtors can afford to repay....