An interesting article on credit card culture in the UK. More and more people are getting themselves into big debts. People use the excuse that houses are too expensive, so that they can justify being in huge amounts of debt for their day-to-day expenses. In reality, it seems that more and more people look at credit as a way to get instant retail gratification rather than planning what they really want and then earning the money to afford it. I suppose it's always been like that.