Tips for using credit card wisely

Here are the tips:

1. Use the one that gives you best benefits, usually it should be a platinum card that gives your CASH rebate. now it should be 1% for all purchases and 2-4% for certain purchase (like gas,grocery etc.)
2. Pay it off every month.
3. Usually your monthly balance should be less than 25% of the credit limit.
4. Use one card, if possible.
5. Don't close any old card.
6. Open new account only if necessary. But if there is enough benefits, do it. Any credit score 750+ will bring your same benefits.
7. Have a mortgage will improve your credit score
8. check your credit every year. It is free.
9. don't sign up on any projection plan, id detection deal, etc., all of them are waste of money (or ripoff).