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How to Use Credit Cards Like a Smart Person

I like to consider myself a smart person. On paper I look pretty good- B.A from a good school, experience in several different industries ranging from education to nonprofits to food service, some accolades from college.

Perhaps I flatter myself, but you might think, “Hey. That girl seems smart. She probably knows how to use credit cards.” And you would be right…but it came at a cost. $1,200 to be exact.

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How to Curb Your Credit Card Spending

Credit cards can be your best friend or your worst enemy. Used properly, they’re a great way to build your credit and reap the many benefits that cards offer: free flights or hotel stays, discounted car rentals, or cash back bonuses. Used improperly, they can trap people in high interest debt. If you find yourself reaching for your credit card a tad more often than you’d like, use these tips below to curb that spending.

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