The answer to this question too lies with the consumer, it is best advised to be able to use one’s money wisely, banks take a lot of advantage over consumers who are shopaholics and lure them into using their cards, very rarely to consumers sit and think about the interest they end up paying to the bank for simple pleasures of shopping.
One must keep a tab on the expenses and the amount one repays towards the card as some banks have their interest rate as high as 24%. Besides over usage of the card and inability to repay it will only make the credit score of the individual lower.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.