Credit cards are of everyday use for a lot of Americans. Even people with bad credit are getting secured credit cards so they can build their credit. The use of credit cards is not necessarily bad, but needs to be done responsibly. This means it is important to have a firm grasp on your finances and budget before using credit cards. Using secured credit cards is the safest way to learn to use credit cards in general.

Secured credit cards are not just for people that need to repair their credit. On the contrary, secured credit cards are a half step between a bank account and a credit card. With secured credit cards you have lower balances than with regular credit cards and the bank helps you out by holding you responsible for keeping enough money in your bank account to pay the balance on your secured credit cards every month. So, unlike regular credit cards you have someone to help you and keep you accountable for your actions.

History and economics show that credit cards can get you in a lot of trouble if not handled correctly. It is important to understand the terms of service with your credit cards. Some credit cards offer 0% interest, but only if you pay it off every month. Other credit cards give you cash back for purchases, but their interest rates are really high. These two examples don't represent all credit cards, but do represent that you must read the fine print before signing up with any credit cards.

Secured credit cards may offer you the added security of a lower amount you can spend and some help with having money available, but there is still plenty of trouble to get into with secured credit cards. God has a lot to say about credit and paying bank debts. He is very clear that all debts must be repaid. Knowing this you want to make sure that the system you set in place to pay your bills gets followed. Having a budget will not restrict your finances, but rather give you the financial freedom to save for things you really want to do and not have your life run by credit card payments or overdue bills.

Remember that God gives you the resources that He knows you can handle. If He has only granted you $15,000 a year, then there is a way to live a good life on $15000 a year. God would never make us suffer any further than He knows we can handle. If you are having a hard time understanding this idea, seek Godly counsel about your finances and any other area of you life you think needs fixing up.