It’s no secret that credit cards can be a consumer’s best friend or worst enemy. You can build credit and earn rewards or cash back if you manage the card properly. However, irresponsible use can wreck your credit score and finances.

Are you drowning in credit card debt? Even if you’re making the minimum payments each month, chances are the balances aren’t decreasing as fast as you’d like them to. And if money’s tight, it may be tough to ramp up debt-payoff efforts.

You need money to grow your business but can’t get a loan from the bank. Sound familiar?

Are you in the market for a new ride? Getting a car loan isn’t the only way to get into the driver’s seat; you also have the option to lease a car. If you own a business but don’t drive many miles, a lease may be best. But if you have kids and dogs and are constantly on the road, a loan may be the better alternative.

You have managed to scrimp and save a couple thousand dollars and want to buy a reliable, used car that gives you the most bang for the buck. Especially because you’re paying cash, it’s possible to find a good deal. But you may have to compromise on the make and model and do a little legwork.

Selecting a credit card that best suits your needs can be tricky. There are so many options to choose from, but Discover it and Chase Freedom Unlimited are two cards that stand out from the pack if you’re looking for a rewards card with no annual fee.

Do you travel or dine out often and want to earn points for your spending? The Chase Sapphire Preferred and Chase Sapphire Reserve may be worth considering. Both cards have high earning potential and several enticing incentives, particularly for travelers.

Are credit card rewards important to you or would you prefer a basic credit card? You’ll need to ask yourself this question as you’re scoping out your options.

Have you considered applying for a student credit card? If you can keep your spending under control, it may not be such a bad idea. However, a lot of students might not know how student credit cards work and end up putting themselves in a poor financial position. Student credit cards are a safe and convenient way to make purchases while earning rewards. And in some instances, you can take advantage of interest-free financing.

Do you have bad credit but need a personal loan? Heading to the bank to borrow the funds may be out of the question. However, you may consider a lender that offers “no-credit-check” personal loans, such as OppLoans. These loans same-day approvals and fast funding without requiring a credit check. The interest rates are high, but not as high payday loans. Their big selling point is they much easier to get approved for than a traditional bank loan.