I feel like using credit cards in general fuels spending sprees. For many years I opted not to apply and to accept bank credit cards until a friend offered me to use a card which is both my passbook card and at the same time can be used as a credit card. I am a thrifty person so I seldom use its credit card feature. Personally, it is just so easy to buy anything online or at the malls once you are using a credit card instead of budgeting the available cash in your pocket. So how much more when someone uses it to gamble. The urge to continue playing and the mindset that its interest is just a little like around 3% monthly but in reality, it is higher than a regular bank loan.