Are Credit Cards Evil

I have been a credit card user for more than 10 years. Yet all I hear is that credit card companies are the problem. They charge to many fees, they apply payments to the lowest interest first, they charge more interest than a loan shark. This is all true but it is business, stop blaming someone else for your problems and take a good look in the mirror. The problem starts and ends with you and me. If you are having a problem with your credit cards, then deal with it. Don't expect someone else to fix your problem. I have found their is two ways to fix my credit problems, reduce my spending and increase my income. I have worked harder in these past few months than I have in years to reduce my credit card debts and to increase my income so I can still enjoy my life, because I don't think like many that we should all give, give and give without having a few enjoyments, but now I do it with cash not credit cards. So for all my fellow credit card users don't look for someone to blame for your bad money management just pay your debts one way or another.