[Margaret Pilkington]

Cashy, it must be a generational thing because that is my philosophy too.

Credit scares the bejasus out of me. I only got myself a credit card when we were going out to Oz for 6 months......knowing that without one, we would not be able to book into hotels, or do the travelling we had planned. But had I not been able to make arrangements to pay off the whole amount each month I would not have got one.
I rarely use my credit card.
Cash isn't King.....Plastic is!

The problem is, that those who would rely on a payday loan are usually inept at mananging their money. Lessons in money management should be taught in Primary school...and continued until children leave school...they should be able to work out what value is, and also how to keep themselves out of financial harm.
You do not need to be a maths genius to do this.