Too often credit cards seem like easy money. Just hand it over to the clerk or type in the card number for your online purchase and, presto!, you have stuff. But you may pay to play. If you don’t take care of  your credit card balance on time, you can get penalized with late fees and bad credit scores. While most of us know this on some level, it’s worth the reminder.  Canadians continue to fall further and further into debt, with their love of...