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Never had one. I watched both of my parents max the shit out of theirs and almost ruin their credit more than once. It helps me by forcing me to wait for something by saving up for it...if I still want it after I've taken the time to save for it then I wanted it all along and it wasn't just an impulse buy. It can hold you back but then again you don't think of it as fallback when you don't have it. It's deficit financing any way you slice it, and it's really not a good thing in my life.
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I happen to like the words "fuck", "cock", "pussy", "tits", "cunt", "twat", "shit" and even "bitch". As long as I am not using them to describe you, don't go telling me whether or not I can/should use them...that is, if you want me to continue refraining from using them to describe you. ~Prince
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