Many people are blaming the current economic problems on the easy availability of credit. One of the ways of getting this is through plastic cards, or carte plastique in Fench. We probably all have them – credit cards and debit cards as well as store cards. It is pretty easy to get one of these cards these days. Imagine if you got one for every store that you shopped at and had a credit card as well. You could easily spend lots of money and you may not even know how much as it is much harder to keep track when you spend it on a card.
Imagine only paying back the minimum balance each month and then spending more and more on the PVC cards, or PVC karte in Germany, until there was no more money left to spend on them. You would be left owing a lot of money and it would be really hard to pay it back and would take a very long time. Imagine if you lost your job then you would be in real trouble and would not be able to make the payments. This is probably a situation that a lot of people are in and unfortunately it seems to be getting more and more common at the moment.