I would like to start by mentioning that, I never paid a late fee or interest while using credit cards. I earned $1000’s in rewards and cash backs so far. This goes on to prove that wise use of cards can help you financially while providing all the ease of using card vs. cash.
Credit cards can apparently seem to be convenient for the consumers. But the susceptible consumers are exposed to high risks due to bad spending habits as they spend more than they can afford. A considerable number of US consumers have multiple credit cards, and each card has a large amount of outstanding dues on it. So, the debt stricken consumers opt for credit card debt settlement programs to pay off their owed amount.