There are many kinds of debt, but one of the most common ones is credit card debt.
Why? Because practically everyone has credit cards.
And credit cards make it easy for you to spend money that you don't own.
To put it another way, they make it easy for you to have debt.
But you should avoid such a debt whenever possible.
The reason is that it is harmful for your personal finance.
The amount of money you need to spend on the interest alone could be prohibitive.
It's made worse with the fees you need to pay for late payments.
No wonder some people say that the credit cards are evil and you need to get rid of them completely.
But they are not evil.
In fact, there are many benefits you can get from a credit card.
But you do need to avoid the debt trap.
To do that, you should make sure that you do not carry a balance.
Pay your bills in full each month.
This might seem simple but it's essential to make you free of debt.
Furthermore, it could improve your credit score which will benefit you in the long term.
To make it easier for you, you might want to set up automatic payment using your checking account.
Just sign in to your account in a web browser (or an ATM) and arrange for your bills to be paid automatically.
When you don't carry a balance, you can enjoy the benefits of your cards without being burdened with debt.