If you don’t have a credit card, you are probably the luckiest person I know. You’ve skipped all the pain and suffering that having one can give you. Pains like high interest, horrible fees, and hidden costs. Not to mention the added suffering of having all that revolving, unsecured debt hanging over your head month after month. (Can you tell I have a credit card?)
Interest.org has a great informational article on Credit Card Tricks and Tactics that I think should be a must read. It’s not necessarily a comprehensive list, but it most certainly has all the most popular things a credit card company will do to try and get your money. It also has a really good list of the things you can do, or should do to counteract those tricks that they play.