Gift Token

I REMEMBER RECEIVING my first credit card. I was terribly excited. Even in those days I needed to get out more. But I thought it was pretty cool and immediately embarked on the whole purpose of the operation, which was to spend more money than I had. Why? Because that was pretty much the reasons for their creation in the first place – there’s a clue in the description, and, why again? Because anything that doesn’t involve handing over cold, hard cash is easier, less painful and not quite so much of an emotional or philosophical wrench. To say nothing of the convenience of carrying around a piece of plastic rather than wads of unsightly cash that could, perish the thought, affect the hang of your clothes.

Yes, I bought into the concept hook, line and sinker, even after being charged what often amounted to an annual interest