Credit cards are very tempting, but everyone does not need to get a credit card. If you not know how to deal with it is not going to benefit you at all to utilize it. You should always know your limit, and you should never put yourself in a position where you are getting anywhere close to at the total limit of the card.
Sometimes the temptation is too great. These cases people really need to consider the benefits of decreasing your credit limit. Just because a credit cards company gave you a $10,000 balance does not mean that you have to use $10,000. Be wise in your credit card spending and try your best to pay the full amount at the end of the month.
Be mindful of the fact that your credit card score can change at the drop of a hat. This is the case for anyone that may be thinking that they can use the credit card to pay for big purchases and still keep a good FICO score.
All that you are really doing is sabotaging yourself if you have a credit card that you are not paying on. What happens is that you find yourself in a place where you are paying more for items because your credit score is so bad. Interest rates on many things go up and you find yourself losing money just because you have a bad credit score. Credit cards that you have can have these type of effects.