Credit Cards Explained: How to Use Them Smartly
Credit cards are powerful financial tools when used responsibly. They help build credit history, earn rewards, and manage cash flow.
How Credit Cards Work
Credit cards allow you to borrow money up to a limit and repay it later, often with interest.
Benefits of Credit Cards
- Build credit score
- Cashback and rewards
- Purchase protection
Risks of Credit Cards
- High interest rates
- Overspending
- Debt accumulation
Smart Credit Card Habits
Always pay the full balance, keep utilization low, and avoid unnecessary purchases.
Final Thoughts
Used correctly, credit cards are tools for financial growth—not financial stress.
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