Why is everybody panicking about using credit cards to purchase Bitcoin? You can't purchase stocks or bonds with a credit card. This isn't FUD, this is a positive, because it eliminates risky money in the marketplace.
Also Ripple's bet on banks is finally paying off. Ripple will be stronger and more resistant to volatility. In the next coming years we may see a 10 dollar Ripple as the Market Cap explodes and as Ripple is burned up.
I agree. Only invest money your willing to risk and know you may lose. Credit cards are great for emergencies. I always use them for bills and pay them in full each month. This not only helps your credit score, but shows that you can handle credit responsibly. I know everyone situation is different, but just be careful. My advise is make a budget to manage your money correctly, don't risk money you need, and if your invested in a project that you believe in hold through the ups and down. Don't invest without doing your research and just because your friend said you will get rich or you seen huge growth from a certain coin because at the end of the day you can only blame yourself.