💳 MYTH 7: "Credit cards cause utang (debt) traps!" ✅ FACT CHECK: Debt happens when you misuse your card—not because of the card itself. Avoid traps by: - Paying the full balance monthly - Using it only for needs/budgeted wants 💡 TIP: Treat it like cash—borrow only what you can pay back. #KasKasanBuddies #MythVsFacts #CreditCardBasics