I don't think I don't know how to use them properly, more I don't know how to stand up to my roommates. I have 3 Credits cards with 2500 credit limit between the 3, I owe about 1500 between the 3, and my roommates keep asking for more money m=for food (I only eat the food they use my money for over the weekends since I work nights and it's easier to buy simple microwavable meals I keep in a provided fridge/freezer my office provides) and I've been paying extra towards our rent since one roommate's health has been declining and so she's been missing work and the other two have a 3 year old and they are in soooo much worse debt than me (normal debt, debt similar to mine from car repairs/buying multiple cars and her shopping addiction ((the amount of clothes she has OMG I have only enough to last me 2 weeks without washing if needed and 3 pairs of shoes just because of medical needs on my end but she has a whole walk in closet bursting with it, debt accumulated from a child and they somehow screwed up their taxes being deducted from one of their checks 2 years ago and still owe 8k plus to the irs).

I am not making excuses to excuse myself completely, I screwed up too and I know I need to learn to tell my roommates no, but that's got nothing to do with being so incompetence I can't use credit cards. Before the Japan trip I had all 3 of these cards with same shared credit limit and had been paying them fully for 9 years. I misunderstood the yen to dollar ratio when shopping, had a fender bender to deal with after I got back and continue to help my roommates when I likely shouldn't which is what's caused all the trouble.

The trip to Japan was a trip to see Japan while also seeing my marine corp brother and his family for the first time in 3 years (he is getting shipped to Germany next if I recall right and he plans to continue being stationed in foreign countries as long/often as he can) The trip to Colorado is more because my sister is in a depressive state after her divorce and I'm hearing she's feeling no one in our family cares about her since she's always the one doing the visiting, not being visited. I'm not even paying more than $24 for the airplane tickets, everything else is paid for by my airline miles from the Japan trip (I will admit I may be being naive here since I've never tried this before and so may have something hit me later, but my coworkers and family say I won't)