Lots of stores in malls, newspapers, tv, internet  etc. will offer or promise you good deals if you open an account by their store and buy on credit. What people don't realize is that opening an account is the easy part, but to close it can sometimes be a struggle especially if you got lots of debt.

Some of my accounts included clothing accounts, home furniture accounts, loans and credit cards. At one point in my debt struggle I had 4 clothing accounts at the same time. Now I buy all of my clothes and shoes cash.

From personal experience having multiple accounts is not easy especially if creditors are breathing down your neck.

There were times that I lived from paycheck to paycheck, basically hand to mouth. There are a good saying that goes like this "When days are dark, friends are few".  There was times I was really struggling and nobody was there for me. So I was forced to use my creativity and genius to generate additional revenue streams and revenue.  Now people are borrowing money from me and coming to me for help. :)

The bottom line is "Don't live on credit", "Live within your means", "Don't borrow money", "Buy things that you can afford".

My advice to you is don't open credit accounts.