Credit cards offer convenience, rewards and protections. But use them responsibly and avoid overspending. Credit cards are tools. Like most tools, they can be incredibly helpful when used properly but dangerous when used incorrectly.

Putting purchases on credit cards rather than using cash comes with a raft of benefits, from earning rewards to gaining valuable consumer protections. The most common pitfalls of credit card use — overspending and interest charges — can be avoided with responsible use, but they're still worth being careful of. Here are some of the biggest pros and cons of shopping with a credit card. 

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