Question

As you know, credit can be both beneficial and harmful to one's financial well-being. At what point does credit use become problematic?

Answer 1

Credit use becomes problematic when you spend much more than you can repay later or when you don't pay on time, interest is tacked on, and then you can't pay it. It's problematic when you don't keep track of how much you spend, make, and/or when to pay it. I hope this isn't confusing.