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The use of credit cards is so common, so entrenched in todays society that many people believe they could not live without them.  Despite those benefits, there is a strong school of thought that vehemently opposes credit cards. Undoubtably this is because there is too much credit card debt and this is creating great stress amongst vulnerable consumers. However, you can’t pull the shutters on the credit card industry just because of a few irresponsible people (or even if it’s more than few). That will certainly not solve the problem. …