I decided to speak to all my classmate.About credit card,Credit card is a source of money that someone can use in case of emergencies, in case of needed in case of pleasure when you dont havemoney at hand.Iusecredit card a lot credit card is very good and help me a lot with myexpence, but there are some disavantage of u disasing them when nyou have too much credit card and you use them all it can drop down your credit score.If you dont pay on time , they charge interest rate and late fee that can be very high and painful ,because you will never finish paying the credit card if you can only .pay the minimum payment .If someone is living pay check to paycheck you will never finich paying the credit card .my advise to my classmate tobe very careful dont take credit card for granted and dont use them if you dont have too because it has advantages and disadvantages .Ipay 200 hundred dollars only 82 dollars pay the118 dollars for interest .Iam mad very very mad please dont use credit card for fun Sinserely Duchatelier