4. Neither a lender nor a borrower be! That is a good motto when it comes to your credit card or credit card number. Don't give these out to anyone! Even though you may trust your family and closest friends, you cannot keep track of purchases you are not making.

5. Make it your habit never to charge more than you can pay back. When you do charge more and don't pay it back, it can hurt your credit rating and will affect your future chances of getting credit approval. This can include important purchases you may make in the future, like car loans, home mortgages and other kinds of loans.

6. Pay your bills on time! When you pay on time, you will save on accruing interest and extremely high finance charges for late payments. If you miss a payment, finance charges and interest just keep adding up, making your balance get higher and higher.

7. Try to pay all of your credit card balance in full each and every month. Put credit card payments into your monthly budget, and don't purchase more than that allotment each month.

8. Remember you are responsible for $50 of any unauthorized charges on your credit cards.

9. Keep your credit card for new purchases only. Don't pay off other household bills with your credit card. This will inevitably lead to more charging and higher balances.
About the Author

Sintilia Miecevole has a host of experience regarding credit cards. She has a site http://www.flycreditcard.com to provide you with the information you need to use your credit card wisely. Be sure to visit http://www.flycreditcard.com for an expert resource of features with information for personal and business credit cards.