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The average household credit card debt is nearly ,000, per Card Hub, and families with more income tend to have more credit card debt than those who make less.
If you’re not careful, you can sink into debt and hurt your ability to borrow money cheaply in the future.Don’t Just Pick Any Card Your first step is to figure out what you want your credit card to do for you. Consult MONEY’s Best Credit Cards rankings to understand what options are out there and the variety of roles cards can play in your wallet.Do Check Your Credit History Unsurprisingly, credit cards with premier terms and rewards are targeted to those with the best credit.A credit card is a tool, much like a hammer or Kanye West.And yet, this useful financial instrument is anathema to many borrowers, especially young adults.
That way you avoid a late payment fee – usually around $35 – and a hit to your credit score.