| You can make a large purchase now and pay it off in smaller amounts over time. | You can easily dig yourself into debt if you’re not careful about your spending. |
| Carrying credit cards is more convenient (and safer) than carrying a wad of cash, and credit cards are more widely accepted than personal checks. | The ease of using credit cards can cause you to overspend. |
| With responsible use, you can build your credit, which will be important later on. | Missing payments or maxing out a card can sink your credit score quickly. |
| Many credit cards give you rewards, essentially giving you back 1% or more of the money you spend. | Interest can make even a small debt become large over time. |
