<prompt> Human: I just cleared out around 8,000 of credit card debt and damn does it feel good.It was amazing in the beginning how I would pay everything off each cycle so no interest accrued but over time I got lax and they definitely made their money off of me.But anyways, what words of advice would you give people that are just getting their first credit cards?I would have to say do not add any expenses you would not have normally incurred before you had a credit card I got stupid and but shit I wanted, did not need. If you can cover every day normal expenses than charge the card. Just make sure you clear it at the end of the month so no interest is accruing.  <response>: But anyways, what words of advice would you give people that are just getting their first credit cards?Pay in full, every time.Dont have money to buy it? You cant afford it.Too many people are quick to say dont get a credit card, but a credit card is a tool like anything else. People should learn how to use one properly instead of blaming the tool for their own lack of self-control. 