In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

A special thanks to all our subscribers around the world. There are now over 10,000 Crusaders with many more joining us daily. We appreciate the confidence you have placed in our publication and pledge to continue providing you with high quality content.

Do a friend or relative a favor and pass this newsletter along to them. Together we will travel down the Path to Wealth & Prosperity, one $dollar$ at a time.

To your financial success!
Al Crisp CPA

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A credit card is a very significant thing in today's society.

It has the ability to buy almost anything from any store, but it also has the ability to cause a great deal of stress in people's lives. Credit cards come in many forms, and the debit card is also rapidly gaining popularity, and is now accepted at most facilities where a credit card is accepted.

What are the advantages to having a credit card? This is an easy question to answer. Having a credit card makes it more convenient to go shopping and pay for things without carrying large quantities of cash. Instead, a credit card owner may simply hand over their credit card to have their purchase taken care of.

Also, credit cards make shopping online very easy and convenient. Instead of going through the hassle to send in a money order or a check, a credit card owner may simply type in their sixteen digit credit card number and their expiration date, and their purchase will automatically be finished.

So what are the disadvantages to credit cards?

There are many, but we will address a few of the most popular disadvantages with credit cards here. Firstly, many people spend recklessly when using a credit card. Because a credit card doesn't actually reflect how much money a person has, many times people will spend much more than they should. As soon as the inevitable interest starts to compound on a credit card, many become troubled with the debt and get themselves into some trouble financially.

Careless spending is a prevalent problem with credit cards, but there is another issue people are becoming more worried about. ID theft is a quickly rising crime, and in most cases, credit cards are involved. When a consumer uses a credit card online, "smart" thieves are sometimes able to hack into computers and steal credit card numbers. From there, an ID thief can make transactions and withdraw money from the credit card's line of credit. These issues pose a serious problem to credit cards and the people that choose to use them.

A credit card can be a double edged sword. It has great benefits, but at the same time, can be potentially hazardous. The truth of the matter is that most people need a credit card to be a functioning member of society. People just need to be careful and use caution when spending money with a credit card. Be wise and do not get yourself into trouble.

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