Credit card = emergency only
Remember that to qualify for your credit card (or loan) in the first place, you had to prove that you really don’t need one. That should have set the alarm bells ringing. Ask any financial maven and they’ll tell you that the first thing you need to ditch is the plastic. Typically, you’ll be paying the kind of interest rates that normally come with a beating, and they work best for the credit card company when you make mistakes. If you must use a credit card, keep it for emergencies only, and pay off at least half the balance as soon as possible, never the recommended minimum.