Follow these simple tips on how to use a credit card and manage your expenses more efficiently. These simple ways will allow you to remain debt free.
1. Be Careful When Opening Cards
Only open a credit card at a retail store if you shop there often. When a store runs a credit check to see if you qualify for a card, it shows up on your credit report, even if you ultimately decide not to open an account. Racking up a list of inquiries from several different retail stores can cause your credit score to drop.