Credit card is like a double edged sword, it can help you in the hard time while on the other hand turn you into deep trouble when it is not being used appropriately. I have encountered the situation i wanted to buy a highly desired product, fortunately i have a credit card to swipe and made the payment via monthly installment. In fact it is really helpful in this case to lease my burden at least i'm not urged to make the payment in one lump sum to get the product.
I did hear many of the people around me make their credit card payment only to the minimum payment, which i have never done that before (For god sake i'm able to clear the payment monthly). There is nothing wrong that you only make the minimum payment. However, it is strongly advised that people with credit card really know their statement's balance because the interest rate and the late penalty charges could really make you scratching your head and wonder why your balance is getting bigger and bigger even though you did make the effort to pay for it.
Probably you could read up the article on how to make your credit card to work for you to get a clearer picture on credit card usage.
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