Don’t take more than you could payback. It is a tricky feeling about all the borrowed money: you spend somebody’s money but have to return your own. For this reason, people tend to spend more credit limits than they can afford. They have a feeling that this is a bonus, but when it comes to paying back, they experience extreme pity about pain and gain. Later it can lead to growing debts, and to return it, a person should refuse from its regular lifestyle and sharply cut all the expenses.