I don't like credit card, even with its fancy appearance. I can't accept the act of borrowing others' money to spend for my own pleasure. Moreover, this moment of pleasure will be soon blown away by the stress/burden of paying back the money to lender -- banks -- the "legal 大耳隆", a term given by a friend which I totally agree with.
But I have to admit the creator of this name -- Credit Card -- is super smart.
What if credit card is called 'debt card', 'borrower card', 'loan card' etc.?
More people will dislike it. But now it's well called and accepted as credit card.
Imagine the following conversations.
Scenario1:
A: Hi, do you have a credit card?
B: No, I don't have any.
A: (In mind) So poor, he must has no credit... (With pity and despisal)
Scenario2:
A: Hi, do you have a debt card?
B: No, I don't have any.
A: (In mind) Wow, he must be very rich without any debt... (With admiration and respect)
I don't like credit card, and I don't like to be fooled by the fancy and attractive appearance like in this case.
God says, "Be wise".
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