They aren't just plastic. They are powerful financial tools if used correctly.
A credit card is a short-term loan. When you swipe, the bank pays for you. You must pay them back by the due date to avoid high APR.
In the US, your FICO score dictates your financial life. Consistent, on-time card payments build a strong credit history.
Always pay your balance in FULL every single month. Keep your credit utilization below 30% to maximize your score.