Since the global financial crisis, many of us have fallen out with credit cards. Individually, as well as nationally and globally, we can now see that being encouraged to spend beyond our means has been a bad thing. One early catch phrase during the launch of the credit card revolution was that “Access (remember those?) takes the waiting out of wanting,” which now seems rather hollow, as we now realise that our 'wanting' costs considerably more, if left unpaid on the credit card. Many people have also experienced considerable worry and illness due to increasing personal debt, particularly at a time of severe recession and job losses.