Dave Ramsey and his team are the great group of people, who help millions of American consumers get out of bad debt. Ramsey teaches his audience (who don't know how to use their credit properly and got themselves in financial issues) that credit isn't needed, credit cards are bad, etc. INSTEAD of teaching them how to properly use their credit to their benefits.

Blaming products is another excuse people have in life. Many people blame guns, for the reason behind crime. However, guns do not commit crimes, people commit crimes. Credit cards are not a problem in America finance, the problem is the people who use them incorrectly.

Ramsey and his team do a wonderful job, helping their group of audience cut up their credit cards, but we want to also educate consumers on how to pay credit cards correctly and not put themselves in debt. Cred ...