"One of the biggest mistakes we make is getting into a product that is not right for us," said Paul Golden, spokesman for the National Endowment on Financial Education. "I think consumers should shop around."
"If you look at dumb things that smart people do, that's one of them - get into a product that's not for them," says Paul Golden , spokesman for the National Endowment for Financial Education . "People who live more on the frugal side tend to be much more thoughtful and cautious about how they're using credit. So they're really going to be looking at the features of a card."