Are you a credit card user or are you a credit card abuser?

Sounds like a simple question and should get a simple answer. We all know though that many Americans are in debt up to their eyeballs. Why? Everyone spends more than they can afford.

If you can’t pay it off in a month you don’t deserve it. Be careful with your credit cards. Use credit wisely. Credit cards can come in handy, but if you max them out you can find yourselves with no way out and like many credit abusers you will wind up going to a credit counseling agency.

Be careful if you are going to have a credit card always use it smart.

This is all great stuff that a credit card can offer but make sure they don’t trap you in the fine print. Don’t pay extreme annual prices to save a percent. Make sure you get the best all around credit card for you.

Here is a fantastic post on credit cards and how to use them wisely.

So if you don’t like throwing away money, this credit card site will help you save more money and earn more with the best credit cards from Discover.