Do you believe that credit cards are the way to go? Why or why not? 2) How many credit cards do you have? Of those, how many do you actively use? 3) What led to your decision to use or not use credit cards? Explain in detail. 4) Without sharing your credit rating, do you believe your credit score is an accurate reflection of your personal spending habits? Why or why not? 5) Why do you believe so many people are in debt? 5) Does this article make you think differently about credit? How so