Credit cards are always listed on saving tips as a big no no, but the reality is, most of us use them for big purchases. They also come in handy when shopping online. The trick to using credit cards so that you get something back is:
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- Pay off the balance every month.
- Find credit cards that do not charge annual fees.
- Use credit cards that offer a perk for purchases that you charge on them, such as, free gas or travel miles.

