<p><img src="http://media4.picsearch.com/is?7jnfyhdOBzwqmtQrEwYvYaGu-oY9i9oFBRO5u60GVpU&height=149" alt="card processing terminals" title="card processing terminals (c) verepay.com" style="float:left;padding:10px 10px 10px 0px;border:0px">Having credit cards requires discipline. When used mindlessly, you can run up huge bills on nonessential expenses, in the blink of an eye. However, properly managed, credit cards can mean good credit scores and rewards. Read on for some ideas on how to pick up some good habits, so that you can make sure that you use your cards and they do not use you.</p>
<p>Obtain a copy of your credit score, before you begin applying for a credit card. Credit card companies will determine your interest rate and conditions of credit by using your credit history, among other factors. Checking your credit score before you apply, will allow you to make sure you are getting the best rate possible.</p>
<p>To help you get the maximum value from your credit card, choose a card which provides rewards based on the amount of money you spend. Many credit card rewards programs will give you up to two percent of your spending back as rewards which can make your purchases much more economical.</p>
<p>In order to maintain and improve your credit score, it’s best to make card payments before the day they’re due. A payment that you make too late, will lower your credit score, while costing you a lot of money. If you set your accounts on an auto pay schedule, you will save time, and possibly money, when you pay your bill.</p>
<p>Shop around for a card. Interest rates and terms can vary widely. There are also various types of cards. There are secured cards, cards that double as telephone calling cards, cards that let you either charge and pay later or they take out that charge from your account, and cards used only for charging catalog merchandise. Carefully look at the offers and know what you need.</p>
<p>Keep an eye on your credit cards even if you don’t use them very often. If your identity is stolen, and you do not regularly monitor your credit card balances, you may not be aware of this. Check your balances at least once a month. If you see any unauthorized uses, report them to your card issuer immediately.</p>
<p>Credit cards are often essential for young people or couples. Even if you don’t feel comfortable holding a large amount of credit, it is important to actually have a credit account and have some activity running through it. Opening and using a credit account helps you to build your credit score.</p>
<p>When you are making a purchase with your credit card you, make sure that you check the receipt amount. Refuse to sign it if it is incorrect. Many people sign things too quickly, and then they realize that the charges are incorrect. It causes a lot of hassle.</p>
<p>You should try and limit the number of credit cards that are in your name. Too many credit cards is not good for your credit score. Having several different cards can also make it more difficult to keep track of your finances from month to month. Try and keep your credit card count between two and four.</p>
<p>If you find that you cannot pay your credit card balance in full, slow down on how often you use it. Though it’s a problem to get on the wrong track when it comes to your credit cards, the problem will only become worse if you allow it to. Try to stop using your cards for awhile, or at least slow down, so you can avoid owing thousands and falling into financial hardship.</p>
<p>Use a credit card that offers rewards. Not every credit card company offers rewards, so you need to choose wisely. Reward points can be earned on every purchase, or for making purchases in certain categories. There are many different rewards including air miles, cash back or merchandise. Be wary though because some of these cards charge a fee.</p>
<p>Stay away from high interest credit cards. Many people see no harm in getting a credit card with a high interest rate, as they are sure that they will always pay the <a href="http://Www.cbsnews.com/search/?q=balance">balance</a> off in full each month. Unfortunately, there are bound to be some months when paying the full bill is not possible.</p>
<p>Having the right habits and proper behaviors, takes the risk and stress out of credit cards. If you apply what you have learned from this article, you can use them as tools towards a better life. Otherwise, they can be a temptation that you will eventually succumb to and then regret it.</p>
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