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A word about credit cards and their use
For some, the use of credit cards is an emotional subject. No matter your position on the matter, we can all agree that irresponsible money management has resulted in financial ruin for many an individual and family. It is a fact that undisciplined, reckless use of any financial product such as credit cards is a behavior that some struggle with. Therefore it is anticipated that there may be some who are concerned about KCU's involvement in a credit card program. After all, why would the University associate itself with a program that offers a product so many people struggle with?
On the other hand one could ask the question: Is the problem really the product or the irresponsible use of the product? Scores of people across the country use credit cards responsibly, paying the balances in full each month. For these the product provides convenience and a means to make secured purchases.
Whether you consider it a good or bad thing, most would agree that it would be hard to imagine our lives today without credit cards. These little plastic cards are a part of modern life which has resulted in most people having a VISA or MasterCard in their wallet or purse. Many who travel for a living would find it impossible to function without credit cards. In fact, many churches use credit cards as a convenient method of making secured expenditures.
For most of us the credit card in our wallet has no special meaning aside from its features, availability and convenience. It then seems lo