In my usual traversing of personal finance blogs, I found this article on Wise Bread about credit cards. Given what’s going on in the financial industry today, with credit and change in consumer habits, I think it is important for us all to be educated about credits. It is surprising how many of us really do not know how to effectively use them. As with anything else in life, it is not the credit cards themselves that are bad, it is how they are used. Therefore, educate yourself about them, and they can be advantageous to you.