---

Added on October 17, 2012, 8:56 am

I choose not to reply because I see no sense in replying to the remarks. I do not wish to turn this thread into a playground thus the posts were hidden but your remarks left me with no choice but to go public. I have nothing to fear, do post your threats and attacks.

1. I have no intention to change the world thus I have no interest in those threads.
2. There was no personal attack involved contrary to your belief. The reply was in response to the post and not to the person.
3. If you wish and able to post a rebuttal to my remark, by all means do so constructively. Don't just talk about calculating credit card debt but to also post credit card interest levels vs. other forms of loans. The number of credit card defaults in the country - do it comprehensively. Posting and replying in a childish way ... well I let the readers decide.
4. I see no need nor wish to pick an argument thus I choose to not continue with the debate, so is that wrong ?

Now ... many may view credit card as a financial tool but it is the last tool to use to build debt. A tool can go both way ... the wrong way and the right way. Such debts spiral out of control very quickly because people build it without realising and in denial that they are in trouble with this "wonder" tool. My stand is to discourage posts encouraging credit card to be used the wrong way coming from this thread. If it appears in other sections of LYN, they are not of my concern. And there are sections which mentions credit card interest rates for education purposes.

And I kept my answers to just credit card topics. I never touched any other forms of loans/debts because they are not in my interest and I subscribe to other loans as well, just like any other guys/gals.