Almost everyone has a credit card for shopping or paying for their bills. Credit is related to personal character. It means that you should pay back the credit cards bills every month. At the very beginning of credit crads becane popular, people definitely paid back credit crads on time. However, as the online shopping rapidly developed, people were attacted by a variety of items online. Their salary was too little to satisfy their desires of shopping. In that case, credit cards was the only solution to figure out the problem. Slowly, people found that they couldn't pay back caedit crad bills on time. They lost their credit. More and more people were in debt, but the companies that you have applied for the credit cards agreed you to pay for bills by installments with interests. You just need to pay a little money for the credit cards every month, all the rest of the debt can be deferred. Of course, your cedit card has a limit, but it's enough to satisfy your disire.