You’ll almost certainly regret using your credit card for everyday purchases, such as clothing or groceries.
If your card is set up to earn you a true benefit, such as frequent-flier miles on an airline that you actually use, you might consider using it — but with one giant caveat: You must keep track of anything you use it for and pay it off right away. If you forget, you’ll suddenly see a giant bill and wonder how the heck it got that high.
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