Usually people get credit card loans when they want to buy something, but can't afford it. I agree that a lot of people use this money for entertainment. The same thing is with payday loans. Some people take them out when there is no other choice, other are ready to overpay, but buy a new media center. I personally try not to run into debts. But when I needed money urgently, I addressed payday loans in MT and paid them off as afst as I could.