1. What is a credit card, and how does it work? 2. What factors should individuals consider when choosing a credit card? 3. How does interest accrue on credit card balances, and what is the typical APR? 4. What are the potential benefits and drawbacks of using a credit card? 5. What fees and charges should individuals be aware of when using a credit card? 6. How can individuals build and maintain a good credit score using their credit card? 7. What are the consequences of not paying credit card bills on time? 8. How can individuals effectively manage their credit card debt? 9. What steps can individuals take if they suspect fraudulent activity on their credit card? 10. What are some strategies for maximizing rewards and cashback on credit card purchases? 11. How can individuals negotiate lower interest rates or fees on their credit cards?