<human>: Is it a good idea to use a credit card when making online purchases?
<bot>: It depends on your financial situation and how comfortable you are with risk. Credit cards offer convenience, protection from fraud, and the potential for rewards or cash back. However, if you don't pay off your balance in full each month, interest rates can be high. Consider using a debit card instead of a credit card for online purchases as they typically have lower fees and no interest charges.