8 Common Credit Card Mistakes to Avoid in 2025 (Beginner’s Guide)

2025: loud budgeting and proper credit card usage are in, while credit card errors and keeping up with the Joneses are out.

If you utilize your credit card sensibly, it may be a useful tool in your wallet. As you make purchases using a credit card, you may get points and establish your credit history. However, you might also damage your creditworthiness by accruing interest charges.

According to Sean Salter, associate professor of finance at Middle Tennessee State University in Murfreesboro, Tennessee, "credit card problems are very common, especially among younger and less informed consumers." The temptation to use credit cards to make purchases that their salary cannot afford is strong among younger customers. That is a trap that even older and more seasoned customers might fall into. While credit cards are a useful tool for managing finances, they can be quite challenging to keep up with the self-control required to make the most of them.