If you don’t understand the concept of credit cards and you are using them often, you could be asking to get into credit card debt. It can happen quickly when you let your spending get out of control. And, depending on how much you’re paying in interest, you could be spending a lot more than you originally intended on the items you bought with your credit cards.

There is help out there for credit card debt, but there are things that you can do in order to stay away from that debt in the first place. The best way to avoid credit card debt is to avoid credit cards. However, since they can help you get good credit, not just bad, here are some of the ways you can use them more wisely. [Read more…]