If you just got your first credit card, or soon will, you have probably heard that credit card debt is a major risk to avoid. While that is true, you shouldn’t be afraid to properly use your credit card. The fact is that like most tools, credit cards can be helpful when used responsibly and can lead to problems when used irresponsibly.
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If you’ve been declined for a loan, don’t worry—you’re not alone. The average American household has an estimated $20,221 in carried credit card balances according to a 2023 Nerdwallet study, so it’s no surprise that many of us need help with large expenses. Unfortunately, some loans get declined. If you’ve recently applied for a loan and didn’t get the answer you were hoping for, your best tool is education.
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When you check out at the store, there are usually lots of ways to pay: debit, credit, cash, or even check. For most people, paying by check is too much hassle, and paying by credit card will add to your monthly bill. That leaves cash and your debit card. So, which is right for you?
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