The following tips are basic principles about obtaining and using credit cards that can save you some serious cash and keep you out of debt.
10. Have at Least One Credit Card for Emergencies While we highly recommend having a rainy day fund for emergencies rather than relying strictly on credit cards, having a credit card with a low interest rate just incase is a good idea.
9. Rewards are not so Rewarding Rewards can be a good thing, but only if used correctly. Rewards cards typically have a higher interest rate than regular credit cards, with the value of the rewards justifying the extra expense. The rewards are not usually as valuable as you may think. Typically the value of the reward is around 1 cent per dollar charged and often the rewards expire at the end of the year if you dont use them. If you pay off your balance in full each month and charge a lot they can be worth while, otherwise youre better off with a non-rewards card.
8. Have Two Credit Cards If you do plan to take advantage of rewards, we recommend you carry two credit cards. The rewards card for making your daily expenses that you will pay off in full each month and a second card with...
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