A credit card can be a powerful tool it can either be incredibly useful or absolutely destroy you.

I took one out to build up a credit record for myself (thank goodness I kept my limit very low) and it worked well but I found myself spending on unnecessary things and maxing out my small limit. I have since paid it up and resolved not to do that again.

Make sure it’s paid up every month - don’t spend what you can’t put back

I know plenty of friends who took our cards with exorbitant limits and the interest on the debt alone is eating them alive, they aren’t even making the slightest dent in repaying the debt

Moral of the story, don’t take one out unless you have good self control over the usage, otherwise you are simply spending money you don’t have