What do you think are the dangers of having a credit card?

I think that using a credit card for some people is a good idea, but for some are the dangers  (there are dangers for some people). I am absolutely convinced that having and using a credit card is a big responsibility for many people. I know people who are surpassing the credit limit and moving from one card to another one. Probably, they have forgotten that credit is not real money (that they need to pay interest on credit). Who knows? You have to pay attention to paying money back. (You have to be responsible for paying money back.) You should keep track of your money and control your income and expenses. If you buy too many things on credit, you need to be aware of your debt.

Вы молодец! Прекрасно написали этот текст, меня это восхищает! Да, люди здесь имеют странные привычки с кредитными картами, и люди говорят о своих бедах с кредитом. Я согласен, что реальные деньги (особенно деньги без процентного дохода) горазде лучше.