You don’t need to fear using credit cards, you simply need a system to pay off your credit card transactions that doesn’t include fake math. The key to using your credit card (responsibly) is to pay off your credit card transactions using your spending plan. As a coach, I suggest that you pay off your credit card transactions weekly when you do your money date. This approach will make sure you’re not unintentionally adding debt to your credit card and it will help you know how much money you actually have to spend.