Does your balance really not change when using a credit card? I thought the only difference was that the balance could become negative
Depends on the country I'd say? Around here your balance can go in he negative no problem (depending on your bank and some other aspects, of course), while a credit card (or loan, too) would be displayed as a seperate account under your name.
But much more importantly - Noooo Baeksun! You just started to get things in order and get some growth, don't go down the next trapped path T_T