they are great if used properly as they give you extra buyer protection

pay off the balance in full every month and you will get a good credit rating that allows you to get mortgages at best rates etc, so they are not completely evil, only if abused.

for the topic starter, there was a bit on radio 2 between 12 and 2 last friday with www.moneysavingexpert.com maybe your mate can listen again to that as there were plenty of hopeful stories that may encourage him. he should definitely read that website as well as seeking professional help