Stop and ask yourself: Do I really need this card?
It's exhilarating to slip a brand-new credit card into your wallet. However, use that new card in the wrong way -- or pick the wrong card for your needs -- and credit can quickly become debt. And debt can bring trouble, pressure and stress.
Before you fill out that application form, it pays to ask a few smart questions. Here are nine you want answered before you sign on the dotted line.