Credit cards can either be a powerful tool or a financial trap—it all depends on how you use them. Good Use of Credit Cards: ✔ Pay the full balance every month to avoid interest. ✔ Earn cashback and rewards on planned purchases. ✔ Build a good credit score by paying on time. Bad Use of Credit Cards: ❌ Paying only the minimum, which leads to massive interest fees. ❌ Using credit for things you can’t afford. ❌ Maxing out your limit and hurting your credit score. #CreditCardTips #FinancialDiscipline #DebtFree #SmartMoneyMoves