- A credit card lets you borrow money from a bank to pay for things, up to a limit.
- If you pay the full amount every month, you may avoid interest.
- If you only pay a little, interest adds up fast — and it’s expensive.
- Best used for emergencies or planned purchases — not for “vibes and impulse.”
- Read terms and conditions precisely, the devil is in the details.
👉 A credit card is a useful tool — or a dangerous trap, if you don’t use it right.