Student credit cards, learning the basics
Emergency expenditures on your credit cards are a different story. If you have not overspent on unnecessary items and do not carry an unmanageable balance on your credit card as a habit, however, you will be more capable of handling emergency expenses and paying them off in a reasonable amount of time. If you carry a balance on your credit cards that is beyond your financial means and you wish pay off the debt, it is best to not make any additional purchases on that card. The second step is to pay more than the minimum balance whenever possible. You pay the bank more and more in interest payments the longer you maintain that balance.