According to American stress researchers Drs. T. H. Holmes and Richard Rahe, financial problems and credit difficulties are a common source of stress. Credit-card debt has also been implicated as one of the leading causes of divorce.

Ironically, many people get a credit card because they think it is convenient and will help make their lives easier. That's true if you don't overspend and pay your debts on time.

But if you go beyond your credit limit and pay only a little amount of your outstanding balance every month - which is what banks and other credit outfits want you to do - you'll be starting a vicious cycle that could keep you in debt forever.

"Remember that a bad credit record will dog you for years. Nothing can screw up your life faster than going overboard with your credit cards. Your card payment record will shadow you in everything you do, including buying a home (or renting), getting a job, and opening a checking account," said financial journalists Robert K. Heady and Christy Heady in "The Complete Idiot's Guide to Managing Your Money."

To avoid stress, the wrinkles it brings, and break free from the credit card trap, here are some practical tips from Dermaxin, a powerful wrinkle-fighter that will keep your skin young, soft, and vibrant. For details, go to

Know your credit limit based on your income, amount of current debt, and credit history. A rule of thumb is that your total monthly debt should not exceed 38 percent of your monthly income.

Carry only the number of cards you need, even though you haven't used up your credit line.

Don't apply for more than one card at a time.

Pay against your balance ASAP. Don't let bills hang around. Every day you wait is going to cost you more in interest.

If you can't make your payments on time, or if you want to dispute a charge, contact your card issuer immediately - and put everything in writing.