Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
The process of writing can be magical. Mostly, you'll be staring at the computer screen trying not to distract yourself with the internet. But sometimes, if you're lucky, inspiration will come.
