In this video the YouTuber is trying to convince consumers against using credit cards.  She calls credit cards magical cards that you swipe to pay for things.  She mentions just because they are easy to use, via swiping, that they come with disadvantages.  Her first piece of advice is the average consumer should have a certain level of discipline when making purchases with credit cards.

Here are some reasons why she says you should avoid using credit cards:  The first reason is credit cards involved high interest which increases the cost of your purchase.  Not only are you paying for the item but you are tacking on extra expenses with the interest charges from the credit card.

Another reason is credit cards will affect your mental peace.  There is stress associated with using credit cards incorrectly.  Their suggestion is to avoid using the card if you don’t have the money to pay for something.  The idea of bankruptcy is mentioned which is a potential for anyone that uses a credit card.  This is the end result of credit card mismanagement.

Typically with most credit card spending people are tempted to over spend on purchases.  This is an all too common occurrence with most people that uses credit.  Continue watching the video for more tips.

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