How to Use a Credit Card
It can be tempting to see a credit card as unlimited, but you really shouldn't spend beyond your means. If you haven't done so already, make a budget. Make sure that your credit card spending doesn't exceed the budgeted amount.Transfer Balances When Necessary
If you have a lot of debt piled up on one card with a high interest rate, try to transfer it to another card with lower rates. Sometimes just shifting the balance around can be enough to save hundreds of dollars in interest payments.Use It For Emergencies
One of the benefits of having a credit card is that you're always covered in case of emergency. Some people keep a card around for everyday use, but if you aren't sure that you can be responsible enough to pay off your bill on time, use your card only for emergencies.Pay It Off Every Month
Use credit card in a sentence
Almost every store or bank has some sort of credit card, you can either get a generic one from your bank or you could get one from your favorite store and get rewards from that store when you use it.
I forgot both my cash and checkbook at home so I decided to pay the waiter with a credit card instead.
The responsibility of having a credit card proved to be too much for young Adam, he quickly overused what seemed like a magic piece of plastic and found himself in a lot of credit card debt.
Avoid Paying on Credit"Not financing your purchases doesn't mean you can't pay with a credit card - you just have to pay your bill in full within a month. The convenience, protection and cash-back rewards offered by credit cards make them a handy tool if you use them wisely. The truth is if you can't really afford it, you may be giving yourself a gift in the short term, but you'll be giving yourself an expensive headache in the long run."