Americans often seem to struggle with the use of credit cards in today’s society. Many Americans go into debt and cannot get out. They end up maxing out their credit cards and are not able to pay even the minimum payment. With these financial issues, their credit score will suffer and be impacted dramatically. This is why I am saying that, as Americans, we do not need credit cards. We shouldn’t have to turn to the plastic, interest out the roof credit card companies to pay for our daily needs. We need to make sure we can make it without digging ourselves into deeper holes, although our pockets are so shallow.