Ok, the real scoop on credit cards starts with, well, trust, and a promise to pay. You really wanted that BMX bike that cost $200. You were willing to mow lawns all summer at $10 a lawn to pay for it. But it’s May and you want the bike for the summer. So you promise mom and dad that you’ll mow – and they front you the money now. (And if you don’t pay, they’ll know best how to extract it from you.)
Credit cards work the same way. You charge something that you want NOW and promise to pay for it LATER.