When Shania Twain sang; “We’ve created us a credit card mess; we spend the money we don’t possess. Our religion is to go and blow it all, so it’s shopping every Sunday at the mall’ not many realised that the song is as relevant today as it was in 2003. While credit cards may look like all sizzle and no steak, there are compelling reasons to include them in your financial tool kit to manage your personal finances. However, for credit cards to work to your advantage, it is crucial that you develop the habit to use credit cards responsibly. Here are five things that you should take note of when using a credit card.