Final answer:
Credit cards offer benefits but carry risks due to interest rates and debt accumulation if not managed correctly.
Explanation:
Credit cards have benefits like rewards programs, but their high interest rates and ease of accumulating debt make them risky if not managed properly. It is crucial to pay off credit card balances in full every month to avoid accruing interest and falling into debt traps. Using credit cards wisely involves only spending money that is already in your bank account and budgeted for.
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