14 Times When You Should Not Use Your Credit Card...

1) After midnight

2) When your near your credit limit

3) When considering an extended warranty at the car dealership

4) If you're pay off one credit card with another, and its a habit

5) At a flea market

6) If you think your building your credit history

7) If you cant pay for half the purchases with cash on hand

8) When its all about the rewards points

9) When you think prices may drop

10)To buy something from a website with a obscure foreign extension

11) If you dont have a plan for paying it off

12) If you're charging things that you used to pay cash for

13) When you feel that you'll save money by purchasing something you want rather than need

14) When the temptation for a big impulse buy strikes