WARNING

Credit cards aren't as safe as they seem.

DON'T BE IRRESPONSIBLE WITH YOUR CREDIT CARD

Pay your bills on time

Unlike debit cards, when you use credit cards you have to pay back the money spent. You are borrowing the card issuer's money not your own when a credit card is used. The card issuer will generally give form 15 to 45 days to pay back the money before they add interest to the balance, and the there is a problem. Each time that you don't pay the complete balance they will add interest, and the balance will rise rapidly.

Think Smart

Find credit cards that give flier miles, points or cash back, and you will benefit from those. Also, look for card with low interests rate and no annual fees.