My rule is simple, I dont use a credit card unless I really have to. I learned it the hard way tho.
When I got my first card I maxed the whole limit in the first month. Then the bill came and I couldnt pay it, so I had to use my savings to clear it. Thats when I understood it’s a trap. If you dont use it the right way it slowly eats your money.
After that I stopped using it for months. Now its only for special occasions or when its really necessary, and I pay it off right away.
So my advice, stop swiping, pay what you can and dont let it grow. It will take time but you can get out of it. Hang in there….