Which statements about credit cards are true?

The statement regarding credit cards being a source of overspending issues for many people is accurate because credit cards can lead to behavioral patterns where individuals spend beyond their means. The convenience and ease of making purchases with a credit card can result in accumulating debt if proper budgeting isn't practiced. This psychological factor, combined with the allure of immediate gratification, often leads consumers to make impulsive buying decisions, which can quickly escalate into financial difficulties.

Other options, such as credit cards only being useful in stores or being inappropriate for online purchases, misrepresent the versatility of credit cards, as they can be used in various retail environments, including online transactions. Additionally, credit cards are often associated with high interest rates, contrary to the statement that they typically have low interest rates.