My Credit Card Pays Me Cash

There's responsible credit card usage, and then there's smart credit card usage. Permit me to draw some distinctions.

If you're only charging sums that you can afford to pay, you're being responsible. If you're paying off your credit card bill in full each month, you're being responsible.

If you're a smart credit card user, though, you'll have done some digging to find the card or cards right for you. For example, if the sad fact of it is that you're carrying credit card debt, you'll want to have a card with as low a rate as possible.

If you travel far and wide frequently, you may want a card that rewards you with miles. And if you simply use your card for lots of purchases, while paying it off regularly, you should perhaps focus on finding a card that offers you compelling rewards -- in the form of cash or rewards.

Read more at: My Credit Card Pays Me Cash