<prompt> Human: Long story short: I thought I could handle a credit card, used it to pay for an expensive mechanic bill 2k and some college classes because student loans didnt cover it. Ive been reckless with it since then and the credit limit was increased to 8k and I cant seem to get it down...even though Im paying 1k a month on it. My interest free period is over in September and Im worried about the interest that will be slapped in my face and how Ill manage to pay it off. What questions can I answer do you have for me so that you can help me be more responsible with my money?  <response>: Dont spend money on the credit card that you dont currently have. Spend it, then pay it off at the end of the month. 