Life in Balance and Credit

Credit cards: just think how many problems they cause! Why cannot we live without plastics?! Of course, they let us buy lots of things we want and pay the purchases later, but it’s a trap. Credit is a rat race! Just think, you spend years to establish good credit. You do your best to become eligible for a rewards plastic. And then one day you realize that in the pursuit of rewards, you have made overdraft that is going to affect your credit. All you can do is to take a chance to pay the debt and apply for a balance transfer card. But it turns out that  balance transfer cards are not so easy to obtain, they also demand high credit rating.  And what shall you do? How to get out of debt?