As a journalist, I am happy to report on the top 10 credit card mistakes people make. Credit cards can be a useful tool for managing finances, but they can also lead to debt and financial trouble if not used responsibly. Here are the top 10 credit card mistakes people make:

1. Carrying a balance: One of the biggest mistakes people make with credit cards is carrying a balance from month to month. This can lead to high interest charges and make it difficult to pay off the debt.

2. Making only the minimum payment: Another mistake people make is only making the minimum payment on their credit card. This can also lead to high interest charges and make it difficult to pay off the debt.

3. Applying for too many credit cards: Applying for too many credit cards can hurt your credit score and make it difficult to keep track of your finances.

4. Not reading the fine print: It’s important to read the fine print on credit card agreements to understand the terms and conditions, including interest rates, fees, and rewards programs.

5. Using credit cards for cash advances: Cash advances on credit cards often come with high fees and interest rates, making them an expensive way to borrow money.

6. Ignoring credit card statements: It’s important to review credit card statements each month to ensure there are no errors or fraudulent charges.

7. Overspending: Using credit cards to buy things you can’t afford can lead to debt and financial trouble.

8. Not using rewards programs: Many credit cards offer rewards programs, such as cash back or travel rewards, but not using them means missing out on potential savings.

9. Closing credit card accounts: Closing credit card accounts can hurt your credit score, especially if you have a long credit history.

10. Not reporting lost or stolen cards: Failing to report lost or stolen credit cards can lead to fraudulent charges and damage to your credit score.

As a journalist, it’s important to provide accurate and helpful information to readers. By avoiding these common credit card mistakes, people can better manage their finances and avoid debt and financial trouble.