Personal credit cards are becoming more and more popular in China. Banks and other financial institutions are encouraging their customers to change the way they shop.

But people need to be careful. Credit cards are accompanied by some dangers. Some people find it easy to exceed their budget. They are tempted to buy goods they don't really need, and will soon be heavily in debt. Credit cards usually charge high interest, which aggravates these people's problems.

However, using credit cards wisely can improve people's quality of life. They allow people to get funds to pay unexpected expenses. If handled properly, they can let people control their spending, and the monthly report provides a record of where their money is spent.