Credit cards can be both a godsend and a devil’s tool. Used conscientiously — meaning that the balance is promptly paid in full each and every month — they’re a convenient and efficient way to pay for stuff, build up a good credit score and history, and earn cash back and rewards. But perils abound. And a credit card user who pays bills late, spends beyond their means or gets caught up in onerous interest rates and fees can quickly end up in a quicksand-filled ditch of debt.
Of course, not all credit cards are created equal. Some are designed