Credit Cards Explained: Their Value and Risks in Today's Market By Lars Guo Published:  December 29, 2025 Opening Message Hi folks! Happy holidays! I hope everything is going well for you and that your holiday season has been amazing. Today’s post is about credit cards. This is purely my opinion, and you are free to disagree with me. All I ask is that everyone remains respectful. Thank you. Background I got into credit cards after receiving my very first one in 2023. At tha