Review the perks and responsibilities of owning a credit card.
Credit cards can be a handy financial tool. When used properly, they can facilitate transactions, offer perks, and offset bank fees. When used irresponsibly, they can accumulate debt and negatively affect your credit.
It's important to remember that your credit card's available balance does not increase your budget's income total. You should pay back credit card balances during the time between the end of your last billing cycle and the date that your payment is due. This way, you'll avoid interest charges and maintain good credit.