How to Use Credit Cards Responsibly (And Earn Rewards)

Credit cards aren’t evil—when used responsibly, they’re powerful financial tools. Pay your full balance every month to avoid interest. Never spend more than you can afford just for rewards. Set up autopay so you never miss a payment. Choose cards with rewards that match your spending (cash back for everyday, travel if you fly). Keep your oldest cards open for credit history. Monitor credit utilization and keep it below 30%. Use cards for regular expenses you’d make anyway, then pay off immediately. This builds credit while earning rewards—without debt.