Credit Cards: best tips from experts for the smart consumer

Everyone needs help when it comes to credit cards. Even the savyy consumers. Whether it's a credit card or a debit card, even the smartest consumers face pitfalls. But they also learn a few lessons in the process. And, if the rest of us are lucky, they share the really good ones.

Here, at HILDLIFE our money saving experts share their best advice on dealing with credit cards or debit cards.

Is It Worth Having a Credit Card to Earn the Rewards?

Credit card rewards are one way that credit card companies entice people to sign up to use their credit cards. There are some great rewards offered, free trips, discounts on purchases and cash back.

Find out here if it's worth it to have a credit card to earn the rewards.

Tips for Paying Off Credit Card Debt

Want to take charge of your financial life? Pay off your credit card debt.

High balances and high finance charges can put a real drain on your wallet and limit your financial options. And if you let those balances linger long enough, they could keep you from achieving other important goals and dreams, such as buying a home. Read more about it here.

6 Tips for Using a Credit Card for Everyday Purchases

When used responsibly, a credit card can be a beneficial financial tool. Making regular credit card payments can help improve your credit rating, and some credit cards even offer airline miles or cash rewards for purchases. But if credit card spending gets out of control, monthly payments and accumulated interest can become a problem.

Follow these tips to avoid common credit card pitfalls. Read them here.