Many consumers have a mixed relationship with credit cards. On one hand, they can lead to cash back, travel rewards, and an ability to buy something now and pay later. But when used irresponsibly, credit cards can lead to massive debt and expensive interest payments. If you typically use cash or debit and are interested in how credit cards can improve your personal finances, or harm them, read on to learn all about credit card basics. For everything you need to know about credit cards, read the full story on our sister site, Living on the Cheap.