Credit cards can either help you or break you. Just depends on you as a person and how you manage your credit card. Many people have a habit of spending and going over there credit card max. Which means at the end of the month they have to pay that amount in full. And that's m32 where the problem starts because many people don't have the money to pay it. Do’s Pay credit card balance in full each month 100% Pay your credit card bill on time or even earlier Seldomly ask for an increase in your credit line Don't close accounts allow them to remain open. Dont’sl just use any credit for card Don’t carry a balance Don’t miss your payments Don’t spend too much of your available balance Don’t pay foreign transaction fees Don’t close old credit cards