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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.