Credit cards can be a fantastic financial asset — but only if you know how to use them. So how do they work? Basically, credit cards let you borrow money to pay for stuff. Every month you get a bill – if you pay it IN FULL, there’s no interest to pay. If you leave ANY amount unpaid, even just a penny, you’ll be charged interest on the FULL amount (except if you’ve got a 0% period). What are the key rules to remember? 1️⃣ Always pay it off IN FULL each month, or before the end of the 0% period if