A credit card allows you the flexibility to buy items that you do not have the cash to buy at that point in time
. The best way to use them is to only buy what you can afford to pay off at the end of the month. When you get into the buying on time game, interest rates can quickly add up and make what seemed like a bargain, cost much more in the end. So finding the right credit card with a low rate helps you manage your finances smarter and better.