Do you know one of the most childish things most people with financial difficulties do?

Blaming everything else around them, but themselves.

People with financial problems blame the government, Wall Street, the economy, and most notably, their credit cards.

People whose personal finance is in the "red" column typically also have the most credit card debts.

So in short, they have been eating the cake, then blaming the cake because it tastes "oh so sweet".

Childish and irresponsible, wouldn't you agree?

After all, credit card is just a tool. A financial tool that is supposed to make our life easier and more practical.

Just like a hammer or a screwdriver that can be used to fix things or to hurt people, the good or the bad of any credit card relies solely on the user.

You and me.

We determine whether credit card is a useful tool or a destructive one.

Unfortunately, society has branded credit card as the latter. TV ads or even personal finance books often instruct the people to stay away from credit card.

It is quite unfortunate because I personally have saved close to $10,000 in round-trip ticket for flights from the US to Asia, all because of credit card.

Speaking about the ill-advised statement: "Credit card will only make you broke".

Look, no matter how many credit cards you hold, if your personal finance is sound, then those cards would only enhance your personal finance.

This book will show you how to use credit card to actually help your personal finance, instead of hurting it. This book will also show you how to consolidate your credit card debts rationally, instead of emotionally.

The choice is yours. If you want to keep your mind open, then credit card can be a wonderful tool to your personal finance.

Let's get started.