If you use a credit card, but can’t pay it immediately then you pay interest. It’s a trap the less wealthy fall into.

Spending money on don’t have with no financial repercussions is known as the elusive “infinity money hack”. Which clearly does not exist.

Of course there’s going to be a a cost to spending beyond your means.

Yes that is true, and what I said is also true.

Or you could simply not pay on the credit card, and avoid the trap?