It’s pretty obvious our economy is a mess, but who is really to blame? You hear a lot of talk about how banks, credit card companies, and other lending companies are all to blame. It is their irresponsibility that has got America into the financial mess we are in today. But is this really true? Can we blame this mess on the people who lend the money?

Is it really the responsibility of lenders to take care of us and make us pay or financial obligations? Do they need to babysit us and make sure we send our payments in each month? Or is it our responsibility as adults to make sure that before we take out a loan, we can actually afford to repay the debt?

I think that credit cards, banks and other lending institutions are great financial tools if used properly and responsibly. If an excellent credit offer comes your way and you can responsibly control your finances then take advantage of the offer. I have personally used a credit card for over 6 years to pay my monthly expenses and paid the bill every month. I have never been late on a payment or missed a payment (on this card, I was late one time on another card), therefore I have came out way ahead since I get 1% cash back on all purchases.

If used properly credit cards, banks and other lending institutions can be great financial tools. If you are looking for a place to find some great deals on credit cards you may want to take a look at www.requestcredit.com. Be smart, be responsible and be successful!