Worthy of my time? Give me some credit!

Hmm, so it seems the credit card has become the new God for many as they struggle to fill the gaping hole at their heart center with consumer goods! Not that there’s anything wrong with enjoying the material fruits in the High Street garden, but fuck – are these products so important that peeps have to forgo all notions of good sense and prudence in order to place their palms on them?

I often hear about the benefits of the credit card, from the sensible (how it’s convenient to use in place of cash) to the terminally stupid (how it’s free money). Addressing the latter point, I have to ask – since the cred imbued on a credit card is anything but “free”, why the flying fandango do people bother with those putrid pieces of plastic? I mean, with monthly payments, plus any interest one incurs from making use of ’em it strikes me as a great wanking waste of time. I mean, convenience? That’s what the hell debit cards are for, friend! Easy access to the money you have without having to a)search out a cash machine that may be out of service, or b)get up earlier than is healthy to get to a bank. As for the easy access to money you don’t have, why do loan sharks any favours? The old adage “neither a borrower nor lender be” holds true, and nowt more true than in this instance! I had the same reckless attitude to cash when I was borrowing taxpayer funds to ease my passage through uni; but at the setting of the sun, free money really, isn’t and you have to pay it back – with compound interest!

Nowadays, the only cash I’m reckless with is my own and I feel all the better for that – the wisdom of the present is often emerges from the embers of yesterday’s follies. I’m confident that in time I’ll come to appreciate the value of budgeting and the like, which mean much more than any kind of temporary bail-out offered by a credit company. In fact, I wonder if today’s credit card craze is a by product of our instant gratification culture, which pauses not for breath to consider what the payoff may be.

Of course, the real bitch concerning the dreaded credit cards is the fact that many net services depend on them for transactions – you can get anything from anywhere with any cred card, but Lucifer help ya if you’ve the wrong fucking debit card! Pain in the ass, no? Especially for a guy who distrusts the Paypal system.

Gimme a universal debit card to work with, dammit!


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