Changing your online payment method from a credit card to a debit card could make sense now. Getty Images

Using your credit card is often quick and effortless, providing an easy way to pay for everyday purchases and online shopping needs. And in the modern era, with credit card numbers being automatically saved to your online accounts, it feels like making purchases is easier than ever.

But that ease can come with dangerous risks if your credit card spending isn't managed properly, as was seen recently, when a new report showed credit card balances up 6% year-over-year. Considering that the average credit card balance is close to $8,000 now and the average credit card interest rate is around 21% ( down from a record high last year ), it becomes even clearer that the simpl

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