Give Me Some Credit
This is a widespread issue, as many people fall under the same struggles as this original poster. People often let their spending get out of control when using credit cards, which can be accredited to two things: effective advertising campaigns by credit card companies or simply not understanding the long-term consequences of swiping plastic.
However, if you misuse credit cards, it can have long-term negative effects on your finances. Some things are worth taking out loans for – like houses and cars – but in general, you should follow the financial advice given in that great SNL sketch: “Don’t buy things you can’t afford.”