1. Get a card that has a rewards program.

By doing this, you’re able to get something back from all the money you spend. Rewards programs are very sophisticated nowadays. You can get anything from DVD players to free flights on top airlines. Get the card whose rewards program is most relevant to your lifestyle.

2. Avoid using the card to get a cash advance.

The cash advance feature should only be used during extreme emergencies, since the interest rate on this is a lot higher than taking out an actual short-term loan from the bank.

3. Don’t have more than two credit cards.

Having a credit card is a big responsibility. It takes time and effort to keep track of your spending and your payments due dates.. If you have more than two credit cards, theres a great probability that you’ll start losing track of your spending. Learn to say no even when “complimentary” credit cards start coming through the mail.