What are three or more inappropriate uses of credit?

The biggest misuse I think is using one credit card to pay off (usually) the minimun payment with another. Secondly, purchasing an item that is a want and not a need. ( you really have to think about that one)and lastly pretending that the available "monies" on your cards is YOUR money. This is a Falsehood. It is the banks and believe me you will pay for it twice depending on your credit cards interest rate. We all live beyond our means and the banks and other agencies who grant credit are COUNTING on this. Thanks