I am going to tell you my experience about using Credit card, as I had a Citibank Visa Credit Card which I had got from Citibank when I was working with one of the bank’s affliate. Initially I was very happy to found that I have a credit card with me and will now be able to shop various good things which I also did, but using a credit card is not advisable bcoz whatever amount you spend, you have to pay the minimum balance of that amount every month, for which bank charges you high interest resulting in increasing your liability day by day. My advise to everybody is only spend half the amount of what you earn and save for the well-being for your future.