Pay off the entire balance as soon as possible. Don't pay just the minimum amount due, if at all possible. Along with interest, some credit cards charge an annual fee. This is the amount you pay each year as a charge for having the card. Look for cards with no or a low annual fee.
Credit cards can be a help or a hindrance.
It depends on how you use them. Many a student has graduated in charge card debt. Remember, those bills must be paid. Any of the 4 leaves could be used separately as currency. It was deposited years before America entered WWII and no one knows what to do with it.