Credit cards are a terrific tool as long as you take advantage of the convenience features and take precautions to avoid fraud. Still, saying “charge it” has gotten a lot of people into financial trouble. But credit cards aren’t the problem—it’s how you use them that really counts. Furthermore, all cards are not created equal. Shop around and switch to a better card. In most cases, you’ll find credit union credit cards are less expensive and more consumer-friendly. 

• What are the advantages of credit cards?
• What are the disadvantages of paying with credit?
• How do I compare credit cards to see which ones have high fees?
• How can I avoid some of those high fees?
• What’s the best way to “shop” for a credit card?
• What are some of the common traps associated with credit cards?
• What do I need to know about offers of “90 days same as cash?”
• What are the warning signs that I might have too much credit card debt?
• How can I reduce the number of credit card solicitations in my mailbox?
• What’s considered “safe” to spend on credit cards, given my income and expenses?
• Should I cancel cards I don’t need or use?
• What’s the best way to cancel a credit card?
• If I’ve never had credit in my name, how can I establish credit?
• If I misused credit in the past, how do I rebuild a good credit history so I can get decent interest rates on loans in the future?

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