Inflation impacts credit card use by leading to increased reliance on borrowing for essential expenses, which can elevate debt levels and interest payments. Effective credit management strategies, such as budgeting and mindful spending, can empower consumers to navigate financial challenges and maintain control over their financial future.

This article offers essential tips to avoid debt and manage your credit card effectively. It emphasizes understanding needs versus wants, creating a budget, and setting credit limits. By educating yourself on interest rates, monitoring your credit score, and adopting responsible spending habits, you can achieve financial empowerment and stability.