Question: I want to know whether I can use credit cards? I'm a student, but I always pay on time and I have never paid interest in my life although I have been using credit cards since quite a while. 
    Answer: There is nothing wrong in using credit cards if one can manage to pay his dues to the bank within the specified period of time. This is basically a facility given by the bank to its depositers. 
    One should avoid giving interest as much as possible which becomes inevitable when the specified period of time expires.