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1. Credit cards are a great tool for making purchases without having to carry a pocket or purse full of cash.
2. Credit cards are great for placing orders online.
3. Credit cards can also keep you in the poor house all your life if you don't set some rules.
4. The best thing you can do as a credit card user whether it be a store credit card from a retailer like Dell Computers or a VISA or Master card is to SET SOME LIMITS!
5. Credit cards make it so easy to make purchases that it's awful easy to forget that you are buying on CREDIT. In no time your card can be maxed out and then you are scrambling to make big monthly payments, and it can be hard to pay it all back when interest gets figured in.
6. Even people with poor credit can usually qualify for a card of one kind or another. One way for a person with bad credit to get a card is to apply for a prepaid credit card. These cards are just what the name suggests "prepaid". In my opinion a prepaid card is probably the card we should all be using. If everyone used a prepaid credit card there would be a lot fewer people getting into financial trouble from card overuse.
7. Another option is to get a private personal loan, but I would be very careful and check out all the fine print if this option is used.
8. Final words of encouragement: Pay your card off monthly! Consider a prepaid credit card to help avoid the burden of getting deep in CREDIT. Research credit card companies and try to get the lowest APR rate you can. I personally don't use adjustable rate cards. Some credit cards offer extra perks like: free flight miles, cash back etc.
9. Be responsible!