Credit cards have many advantages as a means of payment. The most practical benefit of these magical plastic cards are that the cardholders don’t need to carry cash. Our credit cards enable us to get cash in advance from an authorized bank or from an ATM. Yet, with all their benefits, having a credit card involves some risks.
It is likely to happen that cardholders tend to spend more money than he or she should, or can afford to. Cards come in handy when we buy on impulse.
With a credit card, we can pay for things in an emergency without having to wait for our end-of-month paycheck. Who isn’t lured by the ‘buy-now-pay-later’ concept? Actually, when you use a credit card, you buy on credit, which means that you have to pay interest. And like all other bank loans, your debts will swiftly add up if you fail to make the regular monthly payments. 
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