text: yaar,mujhe laga tha ki credit card sirf shopping ke liye hota hai, par ab toh pata chala ki agar sahi se use nahi kiya toh debt mein ghus jaate hain!haan, credit card ka use bahut samajh ke karna chahiye, warna interest rates toh aise badhte hain jaise koi race ho rahi ho, khud ko sambhalna padega.