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      <title>Credit Cards by Niko Scharnowski</title>
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      <description>A blessing and a curse</description>
      <language>en-us</language>
      <pubDate>2017-09-18 12:26:21 UTC</pubDate>
      <lastBuildDate>2017-09-19 12:24:54 UTC</lastBuildDate>
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         <title> Pros</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188423202</link>
         <description><![CDATA[<div>Credit Cards are great for businesses, and people who don't have the money right away for something they need. A lot of Credit Card companies will also provide points for being their customer</div>]]></description>
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         <pubDate>2017-09-18 12:30:34 UTC</pubDate>
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         <title>Cons</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188424230</link>
         <description><![CDATA[<div>People often spend money they don't have with credit cards. in the long run credit cards give you the ability to spend money you don't have which is a problem<br><br></div>]]></description>
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         <pubDate>2017-09-18 12:33:08 UTC</pubDate>
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         <title>College kids</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188424309</link>
         <description><![CDATA[<div>companies often target College kids because of their lack of funds and because they are vulnerable financially.<br><br></div>]]></description>
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         <pubDate>2017-09-18 12:33:22 UTC</pubDate>
         <guid>https://padlet.com/146414/nikosvlogs/wish/188424309</guid>
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         <title>Interest</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188832362</link>
         <description><![CDATA[<div>interest is large part of credit cards. For each payment that you are late you need to pay interest on the amount you owe. This sum can accumulate easily.</div>]]></description>
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         <pubDate>2017-09-19 11:44:21 UTC</pubDate>
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         <title>Ease of spending</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188835132</link>
         <description><![CDATA[<div>With a credit card it makes it very easy to spend money you don't have.</div>]]></description>
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         <pubDate>2017-09-19 11:54:21 UTC</pubDate>
         <guid>https://padlet.com/146414/nikosvlogs/wish/188835132</guid>
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         <title>Companies and credit cards</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188838313</link>
         <description><![CDATA[<div>Every purchase made by a customer costs a company money out of their transaction</div>]]></description>
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         <pubDate>2017-09-19 12:05:16 UTC</pubDate>
         <guid>https://padlet.com/146414/nikosvlogs/wish/188838313</guid>
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         <title>Credit Score</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188840127</link>
         <description><![CDATA[<div>If misused a credit card can give you a terrible credit score and stain your financial future</div>]]></description>
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         <pubDate>2017-09-19 12:10:41 UTC</pubDate>
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         <title></title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188842144</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-09-19 12:15:53 UTC</pubDate>
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         <title>Fun Fact</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188842854</link>
         <description><![CDATA[<div>Credit cards are safer than debit cards and credit card companies are often lenient in cases of theft</div>]]></description>
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         <pubDate>2017-09-19 12:17:38 UTC</pubDate>
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         <title></title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188844677</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-09-19 12:21:33 UTC</pubDate>
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         <title>Credit Cards often have grace periods</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188845290</link>
         <description><![CDATA[<div>usually 25 days</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-09-19 12:22:55 UTC</pubDate>
         <guid>https://padlet.com/146414/nikosvlogs/wish/188845290</guid>
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      <item>
         <title>Credit</title>
         <author>146414</author>
         <link>https://padlet.com/146414/nikosvlogs/wish/188845498</link>
         <description><![CDATA[<div>If used properly they can help show financial stability</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-09-19 12:23:20 UTC</pubDate>
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