Hello. Credit cards are convenient for short-term loans, but high interest rates and fees can quickly get out of hand. Borrowers must be aware of the risks and have a plan for quick debt repayment to avoid long-term financial consequences. High interest rates can make paying off your balance difficult, and late fees can add up quickly. It is important to have a repayment plan, such as paying over the minimum balance or consolidating debt at a lower interest rate, more on simplepath. Disciplined and responsible use of credit cards can help you avoid financial pitfalls and lead to a healthier financial future.