How according to the four normal consumers in the documentary does owning a credit card or credit cards affect purchasing decisions?

In the documentary, the four normal consumers express that owning credit cards often encourages them to spend more than they would with cash, as the immediate financial impact feels less tangible. They highlight that credit cards provide a sense of security and convenience, leading to impulsive purchasing decisions. Additionally, some mention that the rewards and benefits associated with credit cards can influence them to make purchases they might otherwise avoid. Overall, credit cards create a complex relationship with spending, blending convenience with the risk of overspending.