Have you ever felt that credit cards are your worst enemy? Their high interests can suffocate you, and if you don't have money (this is why people usually use them), what makes you think you'll actually have enough money to pay them later? Or worst, to pay your interest? In this book, you will find the following information: 1. What startups are 2. What to do and how to react to a chargeback 3. Very common mistakes made while using money 4. Boost your debt-free living strategy 5. Measuring the impact these loans have on your personal finances 6. How to use the Snowball method In this book, we will explain the techniques of the correct use of your credit history and teach you techniques for the correct use of your credit card, to take advantage of it You will learn not only avoid, but get away from the bad debts that sometimes credit cards can generate you.