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You keep carrying a balance. If you use credit cards but don't pay off the entire sum each month, that can be risky. 

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Because interest accrues on unpaid debt, the longer you carry an amount each month, the more debt you will have to pay off.

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You're enticed to spend more money than you have available. Prior to charging your card, it is wise to think about what you can afford. 

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If you're tempted to overspend, you can find yourself in debt very quickly.

Not ideal are missed or extremely late credit card payments.

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Your credit card company will probably start by charging you late fees, and those additional costs can quickly mount up.

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You could damage your credit if you keep skipping payments or paying your credit card bills after the due date. 

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Your financial status have about to change. You might want to think about not using credit cards as much if your financial situation has just altered or is soon to.

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When you undergo significant financial changes, such as a job loss or a decrease in hours or compensation, it can need a significant lifestyle adjustment. 

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Reduce your credit card usage while you become used to your new lifestyle to prevent spending more than you can afford and the risk of getting into debt.

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