Debt can be a dangerous tool; it can grow out of hand if not managed properly. Given that credit card debt reached a staggering $1.17 trillion, many are falling into the trap of overspending. While credit cards can offer rewards when used wisely, they demand discipline to keep debts in check and avoid incurring fees.
Credit cards are a double-edged sword; they can facilitate the accumulation of profit through points and rewards, but they can also lead to severe financial problems if not handled correctly. The strategy of paying off balances monthly is fundamental in mitigating risks associated with high fees and interest rates.
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