How to use the credit cards wisely?

i think credit cards are really not a must for impulsive buyers...you intend to buy things that are really not needed..you think that credit cards are good as cash but you just dont realized how much finance charges,late charges,overlimit fee,annual fees are cost..the interest are too high and its multiplying without you knowing it you're in great debt...anyway it's ur decision...but for me credit cards are really big NO!

I would recommend getting a prepaid credit card or one tied to a checking/savings account that way you hold yourself accountable. Most banks also have debit cards that you can use as a credit card without any interest.