Saving and Debt

People now days can't save too much money because of the fact that the credit cards have a high interest percentage rate. When you make a late payment in a credit card bill, you will be charged more than you were suppose to pay, therefore the interest rates comes and puts the price higher, and at the end, it's more expensive. That's why most Americans don't get to save anything in an account since they have to pay an interest rate for the credit cards and they get in big debts sometimes, that could even mess up the credit, besides of the fact that when you pay late, your credit score goes lower and then you won't be able to qualify in buying expensive houses or cars.
In other word people spend more then they save but what I think people should do is save a little every night like in a cookie jar.