Where is the adverbs and adjectives

My first experience having credit and having a credit card. First, thing I thought about was going out and buying things that I had always wanted to buy. But, I noticed when my first statement came how much it was and the interest that was added. It seem so easy just to go and use your card at the time and not even thinking about the consquences afterward. So, from this experience I do not use credit cards anymore. To me it is not worth all the trouble and not worth your credit getting bad or worse.