There are so many credit cards out there: regular credit cards, rewards credit cards, cash back cards, travel cards, premium travel cards, and the list goes on. But to really reap the benefits of these rewards, you have to learn how to use credit cards wisely and effectively. Otherwise, credit card rewards can wind up costing you a lot of money. There are some credit card tips and tricks, but it all boils down to one simple habit: pay credit card balances in full every single month.

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