Don't get trapped by your credit card.

If you need to buy on credit, at least do it with your eyes wide open. Take our quick quiz to test if you are using your credit card responsibly.

• Do you use your cards to tide you over until payday?
• Do you use your card to pay for items that you normally couldn't afford?
• If you lost your job and were unable to pay your bills, would you be seriously in debt?
• Do you have lots of credit cards with all of them near their spending limit?

If you answered yes to any of the above, then it's time to face the ugly truth. You need to curb your spending before you get trapped under a burden of debt you can't afford. If you're already in debt, use these tips to get out and get ahead: