Now, you got it right. That’s a lot of good reason to take a second look at this heading, and then find a lot more as you read through. When most of the money advocates and personal planners would do almost everything to make you cut that credit card to pieces or punch it into multiple dots and holes, here is one that says you deserve the credit, and the card that goes with it! Of course, we won’t blame the good guys. The credit card has been so used and abused that it has led many to unwanted debts (deaths to some!), and they are just doing a service to their fellowmen. But in reality, deep in the hearts of these advocates, a credit card is a very useful tool of our generation if only its purpose is understood and its use is properly regulated. But let us ......