{"id":150952,"date":"2025-02-18T20:00:04","date_gmt":"2025-02-18T20:00:04","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/02\/18\/how-to-use-credit-cards-responsibly-the-points-guy\/"},"modified":"2025-02-18T20:00:04","modified_gmt":"2025-02-18T20:00:04","slug":"how-to-use-credit-cards-responsibly-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/02\/18\/how-to-use-credit-cards-responsibly-the-points-guy\/","title":{"rendered":"How to use credit cards responsibly – The Points Guy"},"content":{"rendered":"


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Credit cards<\/a> are powerful financial tools. Used responsibly, they can offer you valuable rewards<\/a> and benefits and, of course, a secure and convenient method of payment<\/a>.<\/p>\n

But what does “use responsibly” actually mean? Here are our top tips on how to avoid making mistakes<\/a> with your credit cards.<\/p>\n

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Pay your bills on time and in full<\/h2>\n

The most important aspect of using a credit card responsibly is making your payments on time<\/a>. In fact, your payment record is the largest factor in your credit score<\/a>, and making on-time payments is crucial to building and maintaining excellent credit<\/a>.<\/p>\n

For your payments to be considered on time, they must be received by the due date and cover at least the minimum payment amount specified on the statement. If your payment is less than the statement’s minimum payment or is received after the due date, it will be considered late.<\/p>\n

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