A credit card is simultaneously useful and dangerous. On the one hand, opening a credit card—essentially carrying a high-interest loan in your pocket—helps to build your credit history, which will come in handy if you ever want to borrow money (to buy a house or a car, for example). And credit cards offer fraud protections you don’t get when using cash or debit cards—with the added bonus of giving you the flexibility to deal with financial emergencies.All those benefits explain why 82% of adults in the U.S. (and 67% of folks age 18-29) have at least one card—but also explains why Americans owe more than a whopping $1 trillion on those cards collectively (credit card interest can be a real be
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