Credit cards are not free money. Too many people swipe first and get shocked later when the bill (and interest) hits. The average credit card interest rate in America is 26% — that’s 26 cents for every dollar you spend... and it compounds. -If you’re only making the minimum payment, you’re barely touching the balance — you’re just paying interest. -Late fees? They add up fast. -Adjustable rates? Avoid them. Fixed rates are your friend. Remember this: 💡 Good debt builds wealth — it’s tied to som