Credit Cards

Why use a credit card

Credit cards can be an important part of your money plan.  If you use them wisely, they can help you: 

• keep track of your expenses
• in an emergency.
• build a good credit history
• when you travel and other  times when you may not want to carry much cash

If you do not use them wisely, they can hurt you by:

• tempting you to spend more than you can afford
• allowing you to get deeply into debt
• developing a bad credit history

Only you can decide:

• if you want to use credit cards
• how to best use for them for your needs.

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