Credit Cards

[imbosile]

and nobody made them offer you a contract, which is only worth the paper it's written on. They are making a gamble on your ability and "willingness" to pay them back. If you refuse or and unable to do so then they themselves "bet on a bad pony" so to speak. They took the risk and sometimes it doesn't work out in their favor.

Maybe sometimes it doesn't work out in their favor, but you can bet it will never work out in YOUR favor if you decide not to pay the debt back.