Credit cards are useful to have but many people are frightened of using them, having heard horror stories about friends getting in considerable amounts of debt. A short term loan from Wizzcash can help you out if you are struggling financially, but it is better to learn how to use your credit card wisely. Create a Budget Credit cards usually offer you agreed amount you can borrow, take this into account when planning your budget. It is better not to spend your limit every month, as interest will build up. Make sure you are aware of your average monthly expenses…