Exploration of Struggles with Credit Cards in Maxed Out by...

Credit cards have become increasingly popular world-wide, making it easier to buy now and pay later but are they actually helping or hindering someone’s credit? â€Å"Maxed Out† by James D. Scurlock demonstrates how credit cards can hurt someone’s credit, while â€Å"Why Won’t Anyone give Me a Credit Card† by Kevin O’Donnell demonstrates how someone may have financial stability to pay off a credit card, but still be consistently denied one by the credit card companies. Owning credit cards is not the problem; the problem is being irresponsible with it. James D Scurlock’s â€Å"Maxed Out† focused on the revolving use of credit cards to charge now and pay later and the fact that once the credit card was maxed out another one was sent from the credit card companies and the whole process begins all over again. Scurlock’s essay made the reader aware of the downfalls and hardships that can occur when credit cards are constantly used for purchases compared to Kevin O’Donnell’s â€Å"Why Won’t Anyone give Me a Credit Card†. O’Donnell’s essay explored the opposite of Scurlock’s, his essay was geared more towards the fact of not owning a credit card prior to entering the professional world. He explored his point through an educated professional man, who was constantly denied an unsecured credit card in spite of having a full time employment, no monthly house payments, no finances owed to other lenders and no dependents that need to be taken care of. When looking at the effectiveness of both essays, one