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Credit cards are very handy for quick cash but you must use them wisely. If you know that you can pay off your entire balance at the end of the month then use your credit card as a convenient language courses way to make payments. If you are in need of money and have no prospect of getting money in the short-term, do not spend on your credit cards. Credit and store cards are very tempting especially when you are short of cash but their interest rates are so high that you may well end up only paying off the interest each month. With interest rates of up to 20% APR you may find that your debt problems get worse, not better.