Credit cards for bad credit, and more reading
You would not write a check unless you knew you had the funds in your bank account to cover it. You should take the same approach to your regular spending on your credit cards. If you cannot pay off what you wish to buy, think twice before putting it on your card. Emergency expenditures on your credit cards are a different story. But if you keep your regular everyday spending in check, you will have more wiggle room for emergency expenditures that you may have to pay off over time.