text: aaj kal toh log credit cards ka istemal karte hain,par mujhe lagta hai ki agar samajh nahi aaya toh khud ko debt mein daal dungi!bilkul, lekin agar tum credit card ko wisely use karo aur har mahine balance pay karte raho, toh yeh tumhare credit score ko improve karne mein madad karega!