If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way you can pay for purchases a month later, without any extra charge. Or you may choose to make your payments over several months and pay only part of the total amount each month. If you do this, the credit card company, or the bank who sponsors the credit card, will add a small service charge to your total bill. This is very convenient for the customer. With the credit card in your wallet or purse, you don't have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash. Also, if you carry credit cards instead of a lot of cash, you don't have to worry about losing your money through carelessness or theft. The card user only has to worry about paying the final bill. This, of course, can be a problem, if you charge more than you can pay for.
     Americans spend a lot of money in their daily lives. Working people spend money on transportation to and from work and on various expenses throughout the day. Americans enjoy shopping and buy many things that they need and want. They spend a lot of money on entertainment. They buy sports equipment, go to sporting events and do many things that cost money. However, many Americans don't pay cash or write checks for these things. More and more, they pay for things with credit cards.