Why to Read Credit Agreement?

Are credit cards good or evil? If you think that credit is evil, you probably face financial problems and can’t manage your finances. I have many friends who have problems with their credit cards. The question is: Why you, people, never read credit agreements? They are worth of your close attention.
Credit cards do not give free money, they only let you buy now and pay later. If you want to benefit from credit cards but not to get into debt, you must know exactly your interest rates (Intro APR and ongoing interest rate), fees, possible penalty fees. Only then you will be able to calculate the real cost of your credit card. So, you will have to read your credit agreement carefully in order to take your credit under control. Any financial consultant will tell you, that if you want to be a success in credit cards you must read your credit agreement and realize the real cost of your credit card. Listen to their advise and you will avoid many problems.