Recently I’ve gotten myself a credit card and already I’m finding it hard to stay within my credit limit. I’ve set it to less than €1000 because I know I won’t be able to pay it off if it is any higher. I chose to pay it off 100% at the end of each month to avoid high interest rates added to the bill. The reason I’m telling you this is because many people end up in debt because they think credit cards are a good idea. They are a great idea if you treat them well. I keep my credit limit realistic so I know I can pay it off. Spending within reason is the key to having a clear credit card!
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