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" Here, Susan McCarthy, a financial adviser in Oklahoma City and author of The Value of Money, lists her top four credit card don&amp;#039;ts: 1. Don&amp;#039;t make only the minimum payments. This stretches out your payment and, thanks to the interest, significantly increases your overall cost. 2. Don&amp;#039;t carry too many cards. Multiple cards make it easier to rack up debt because it&amp;#039;s harder to keep track of your spending. Having lots of cards isn&amp;#039;t necessarily bad for your credit, but misusing them is. So limit your plastic to two national cards (store cards often carry higher interest rates) that you manage carefully. 3. Don&amp;#039;t miss payment due dates. Not only will you be hit with a late fee-as high as $39 on some cards-but your interest rate could also jump. Sign up for online banking or pay over the phone if you&amp;#039;re up against the deadline. (You may pay a processing fee, but it will probably be less than the late fee and the possible interest-rate hike.) 4. Don&amp;#039;t take cash advances. These advances generally come with sky-high interest rates and service fees, making them a far too expensive way to get cash. Avoid at all costs. "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.redbookmag.com/life/money-career/advice/a3791/credit-card-mistakes/?link=rel&dom=yah_life&src=syn&con=blog_redbook&mag=rbk>