While all cardholders have reasons for using their credit cards, it is very difficult to get in trouble by using your credit cards.

Question

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It is easy to get in trouble by using your credit cards if you do not use them responsibly, such as carrying a high balance, making late payments, or exceeding your credit limit. High balances can lead to accumulating interest, making it more difficult to pay off debts, while late payments and exceeding your credit limit can result in fees and penalty interest rates.

While All Cardholders Have Reasons for Using Their Credit Cards