Credit Cards?

My friend and I were thinking about crazy stuff, and came up with he topic of credit cards, and seeing as we are not experienced in credit cards we figured we’d ask for help with a question. I feel like an idiot for asking, but does a credit card cost money if there is nothing on it and you plan to put nothing on it?

Some cards charge an annual fee, others are free. If you have a zero balance, then there is no fee. If you charge on the card and pay it when the bill comes due, again, no fee. They make they’re money off of folks who keep a balance on the card. Interest rates can be anywhere from 6.99% to 31.99% per year. A large percent of the adults in the US, are buried in credit card debt that they have little potential of ever getting out of, because of the high rates of interest. Don’t get caught in the trap. Pay off each month or don’t use ‘em.