A credit card is a payment mean that requires a responsible approach. On a limited scale and with the correct application, it is useful, and when used carelessly, it drives the holder into a financial trap. It’s like an anesthetic drug: micro doses strictly according to schedule and purpose support a comfortable state of health. But an uncontrollable and impetuous increase in search for pleasure leads to a subsequent “breaking” and perishing health. The analogy of loan with drug addiction, alas, is quite appropriate.