Sopeopleshouldkeepinmindtheriskofusingcreditcardandtrytospendmoneywisely.First,beforeapplyingacreditcard,peopleshouldmakesurewhethertheycanaffordtopaybackmoneyspentonthecard.Second,itisveryimportanttoworkoutwhatkindofcardmeetstheirneeds.Third,peopleshouldtrytopaytheirbalanceinfulleverymonth,ortheywillbechargedinterestandhavenegativeeffectsontheircreditscores.
Finally,sincesomecardshavehighinterestratesandfeeswhenfailingtopayback,itisnecessarytoworkoutthecostbeforeusingthecards.