a good financial advisor
will tell you to ditch the credit card
for this little piece of plastic
can gobble you down hard

when you use the thing
monthly interest accumulates
so be very wary of the
bank's excessive rates

but some people keep
over drawing on the account
then they will have a
sizeable bill to surmount

luckily for me I got out of
my credit card mess
yet there are those who'll
ever be under much duress