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Have you ever stood behind someone in line at the store and watched him shuffle through a stack of what must be at least 10 credit cards?

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 Consumers with this many cards are still in the minority, but experts say that the majority of U.S. citizens have at least one credit card -- and usually two or three. It's true that credit cards have become important sources of identification -- if you want to rent a car, for example, you really need a major credit card. And used wisely, a credit card can provide convenience and allow you to make purchases with nearly a month to pay for them before finance charges kick in.

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That sounds good, in theory. But in reality, many consumers are unable to take advantage of these benefits because they carry a balance on their credit card from month to month, paying finance charges that can go up to a whopping 23 percent.
Many find it hard to resist using the old "plastic" for impulse purchases or buying things they really can't afford.
The numbers are striking: In 1999, American consumers charged about $1.2 trillion on their general-purpose credit cards.

(Source: wikipedia.org and howstuffworks.com)