"If goods were sold only for cash, prices would be lower and everyone would be better off." I somewhat agree because everyone relies on credit cards - even if they have to pay it off later."If I can't pay for something, it means I can't afford it, so I won't buy it." I agree because I use this term, aha!" I buy on credit whenever I can because credit increases sales and is good for businesses." I somewhat agree with this because people can rely on cash too much and they become in debt with someone that they need to pay back later... Cause that's what I do too, LOL. "You should use credit sometimes: it helps you establish a credit rating, which may be useful in case of an emergency." I don't have much of an opinion on it.. I'll just leave it at that.