How can misusing credit cards affect you negatively over a long period of time?

Well i think the biggest impact of spending your credit cards wastefully would be your credit score for one, and since businesses judge you based on your credit score having bad credit is not a path you want to go down EVER because that will make your life extremely difficult. There are more negative impacts that could occur that i think that is the biggest one in my opinion.

I’m pretty sure it’s 4, you can check on the calculator