I discovered that some of my friends like the idea of credit cards while others despise them. I came to the conclusion that some people might not like credit cards because of their bad experiences they have with them. What about you, do you have bad experiences with credit cards? I remember when decided to be careful while using my credit cards. One thing I learned is to pay my debts quickly, preferably straight after using a credit card in a store. It is also important to plan how to spend your money so that you will not be forced to use your credit card too often.