Many people own credit cards and they use them on regular basis. There are also people with multiple credit cards. The credit card companies are well versant to get you hooked to their scheme of getting you take up their credit card offer by promising so many things. The terms and conditions which are in fine print are usually not read and you get yourself with credit cards which may go in debt, yes that’s true, credit cards don’t just give you credit but you have to pay them back with interest. And when you avoid the timely payment you will just be getting yourself in a lot of mess.