Credit cards can be powerful financial tools — or expensive mistakes — depending on how they’re used. This section breaks down how credit cards really work, how interest is calculated, and how to use credit responsibly without falling into common traps.

You’ll find beginner-friendly explanations, comparisons of different card types, and guidance on building and maintaining good credit. The goal is to help you understand credit cards clearly so you can use them strategically instead of letting them quietly drain your finances.