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Title Exploring Strategies for Avoiding and Managing Debt  Signpost A, Part 1: Learning Check  When does it make sense to use a credit card?   You can use credit any time as long as you plan to pay off the card at the end of the month.   Don't use a credit card unless you need it to gain a benefit or because the transaction requires it.   Just be careful not to over-use your credit card and you'll be fine.   Really, just never use a credit card. They're dangerous.  How many credit cards should I have?   Do not get a credit card under any circumstances!   Get as many as you need in order to gain all of the benefits possible.   Make sure you have a few cards with different interest rates and options.   Limit yourself to a small number of credit cards. 
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Signpost A, Part 1: Learning Check  I want to buy something but don't have the cash on hand. Is it ok for me to put it on a credit card?   Just don't use credit cards at all!   No, never. You should only buy things on credit that you can pay for with cash.   Sure, just don't go crazy. That's what credit cards are for, after all.   You can do this only if you have a specific plan in place to pay off the debt.  Signpost A, Part 2: Learning Check  I heard that there are actually several credit agencies. Is that right? 
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