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The bottom line of credit cards is that they are your frenemies. If you treat them with respect and use them wisely they can be your friends. You can earn money by using them and they are certainly a more convenient way to pay for things then carrying a big wad of cash or even writing checks. But they can be your worst enemies if you don’t use them wisely by running up big balances you can’t pay off immediately, failing to make your payments on time or making only their minimum payments. Americans are carrying on the average more than $6000 in credit card debt. Don't be one of those people. Getting buried under a load of debt can literally cause you physical as well as financial problems.