How to Avoid Credit Card Debt! Credit card trap is real and most people don’t see it coming. Credit cards feel harmless because when you swipe them, the money doesn’t immediately leave your bank account. That tiny delay creates a big illusion: “I still have money… I can buy this too.” And before you know it, people spend way beyond their actual balance - which is exactly why almost half of a credit card company’s revenue comes from interest. But does that mean credit cards are bad? Not at all. I