The easiest way to fall into the bottomless pit that is debt is by not knowing how to manage your credit successfully. Credit cards are not given to only those with financial savvy and they don’t come with an instruction manual on how to use them. The average American has anywhere from five to eight credit cards and can carry a debt of more than $20,000, and for some the number is even higher. Learning the ins and outs of credit management may save you from a bleak financial future and thrust...