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It's a phrase you've committed to memory — and an action you take perhaps without thinking much about it.Credit cards are often easy to get, hard to manage, and even harder to pay off.I recommend taking a daily "money minute" — time set aside everyday to get a snapshot of your money. If you miss a payment, it will show up on your credit report and likely dock your credit score significantly. Any money you take out as a cash advance is charged a higher interest rate than the rest of your credit card balance, plus an additional transaction fee.Your credit card provider might also increase your card's interest rate. It's typically much more affordable to get cash with your debit card, so you can help avoid fees and interest on the amount you withdraw.Should I get a store credit card if they're offering me a discount on my purchase?