how to reply to this post, An individual can get into financial difficulty through the use of a credit card by not paying it off at the end of the month and allowing the interest rate to build up. The problem with credit cards comes in when the holder does not repay the short-term financing loan prior to interest accruing (Owusu-Nyamekye, 2024, p. 12). There are many credit cards that offer excellent benefits and if used properly can work to the advantage of the card holder. When I was eighteen years old, I got into financial trouble with credit cards and small bank loans. The very last resort step is to file bankruptcy to reduce your debts. The first step is to cut up your credit cards and start paying your basic payment on all cards that you hold and start paying whatever extra amount you can on the card with the highest interest rate. Once that card is paid off, start paying off the next card with the highest interest rate until you have paid off all of your debts. The next step is to learn from your mistakes and to be selective if you ever get another credit