Whether you are just starting out and have never had a credit card before, of if you are in the situation of needing to rebuild a good credit profile, the following tips emphasizing responsible credit card use may be helpful to you:

• Don`t give out your card number and expiration date over the telephone to anyone unless you have initiated the contact and you know you`re dealing with a reputable and legitimate company or business;
• You can save hundreds of dollars each year in lower interest charges by paying off your entire bill each month;
• Always pay on time and avoid those late payment fees and over-the-limit fees;
• Mail you payment at least 8 days before it is due, or call in your payment if that option is available to you - better yet, set up automatic payments online if possible
• When going out to your local shopping mall, only carry with you the plastic you anticipate you will need;
• Avoid making impulse purchases;
• Don`t be a victim of fraud - save your receipts and compare your monthly statement against those receipts - better yet, set up email alerts to let you know usage and your daily balance.

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