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Rewards, such as cash back rebates and frequent flyer miles, add tremendous value to your spending, while borrowers are entitled to useful ancillary benefits like extended warranties and price protection.In a time of increased illegal hacking, stolen credit cards are much easier to remedy than pilfered debit cards.

The average household credit card debt is nearly $8,000, per Card Hub, and families with more income tend to have more credit card debt than those who make less.

Which means ballooning card debt is a problem that is likely to affect you at one point in your life–no matter what you earn. It’s better to pay part of your bill on time, and carry a balance, than skip the payment entirely.

Go to to order your reports gratis, and make sure to contact the bureaus if you spot errors.

An appropriate sense of your creditworthiness will help when you apply.

A bad stretch of credit behavior can plague your pocketbook for years.

To make the most of your credit cards, and avoid dismissing them out of fear, here are 15 credit card do’s and don’ts. Maybe you want to finance a large purchase or afford yourself extra time to pay off a preexisting debt without accruing interest?

Nearly 70% of millennials, for instance, prefer debit to credit, according to a recent survey by Chime.

A blind refusal to adopt credit, however, can hurt your long term wealth.

Don’t Carry a Balance A credit card is an unsecured loan.

If you don’t pay off your card every month, you have to pay interest on the amount you owe.

That’s why it’s important to have a sense of how a prospective issuer would view your qualifications.

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