how are you all today

Hands  up those  who has credit cards, i do,hands up those  who don't have credit cards,lies lies ,you know you   all have,now folks , the way i look at it ,, were doing bank a big favor,the amount of interest you all paying on credit card  is making the banks heaps,and it costing you all billions of dollars per year,a lot of people,and i say a lot people are broke, bankruptcy,it costing Australia heaps,so the question is ,why do we need credit card for, ok you folks who earn heaps,it easily for you,but the average person, well why do you need the card, i was stupid with money,i was always had no money,the only option was the credit card,i have learn t the you a card for the bank to give lesson,i have my self to blame ,but i do blame the banks also, why is it easily for them to give them you a card and not sitting down with you and explaining you about the card, now if i was the bank, i would say, can you afford the payment on cards, do you have money problem may be we can help you,why do you need a card for,my honest opinion it should be legislate that you need to go through criteria,i know what right i have to say who entitled to the wonderful credit cards,but look at this way,if you need to purchase anything,save the money,or apply personal loan,going out and have fun,save the money for the night out,and so on,but look at this way,if you spend on your credit card,your going to pay heaps,and loose at the same time,these rick folks can do it, but we the other people may find it hard,i am saying it to make you look bad, but believe me it not worth the pain