Secured credit cards Thoughts and more
It's easy to think of credit as fun money, but you have to pay for all those extra treats eventually. Charge only when you truly need an item and you know you'll be able to pay it off shortly. * Don't charge more just to get rebates or points. It's tempting to spend a few more dollars so you'll earn enough for a rebate check, but the interest you'll pay will cost you far more than the rebate check is worth. (That's why credit card companies make money on rewards programs.