Credit card debt will sneak up on you if you're not paying attention. You'll feel like you woke up one day with a mountain of credit card debt and only the faintest clue how it got there. If think back, you may realize you noticed some of the signs of credit card debt, but didn't realize they were actually signs of credit card debt. For example, did you find yourself ignoring credit card bills when they came in the mail? Or perhaps you shuffled debt from one card to another with balance transfers?
If you're doing a good job of managing your credit cards right now, make sure you can recognize the signs of credit card debt. On the other hand, if you find yourself struggling with debt, you can make a plan to get out of it. Read: 10 Signs You're Headed For Credit Card Debt
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Its fine to use credit cards, but you must use credit cards wisely. When you first get a credit card you should then make a plan to manage your credit card debt. If you already have credit cards you already know what will happen if you don’t take care as to how you are handling them.
Try using the credit card for things you would buy with cash. Then at the end of the month pay the balance in full with the cash you would have used to purchase the items. However don’t forget to pay the balance before the interest is added to the bill.
By using your credit cards this way you will be establishing a good credit rating with using your credit cards and yet not be in too much credit card debt.
Credit Management Tutorial