Credit is complicated. It is a necessary evil that makes our economy work. If used wisely it can help us get things we both want and need immediately and allows us time to acquire the necessary financial capital to pay for them. Lines of credit allow us resources like water and gas and provide us access to cars and homes without having a large amount of cash available. In contrast, credit can also cause a lot of problems. Eventually we must pay for everything we have and use and borrowing m...