Thank you for sharing this information. It will really help out a lot for those who are looking for job.As you can see many are using credit cards because some stuffs are out of the question, but I try to never use credit cards in real life, or at least only in emergencies, and the rest of the time,if I'm using the plastic, I use debit cards. Debit cards only use the money I have in checking (obviously),and thus, I know exactly what my limit is.Overdrafts though,will cost you,and if the money runs out that's when you need credit cards or maybe payday loans if the situation calls for it.