• DO shop around for the right card. Look for low interest rates and no annual fees. Always read and understand the fine print.
• DO pay off the entire balance before the end of the grace period so you don’t have to pay interest.
• DO consider using your credit card for emergencies only.
• DO keep track of every credit card purchase each month.
• DON’T pay bills late. Late fees are expensive and, over time, they accrue interest. They can also negatively impact your credit history. Spend only as much as you can afford—or less.
• DON’T use a credit card for purchases less than $10. These small purchases can add up fast. Use cash instead.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The type of savings and investment strategies mentioned may not be suitable for everyone. Each investor needs to review a security transaction or strategy for his or her own particular situation. The examples mentioned are for informational purposes only and are not intended to represent results you should expect in the future. Data contained here is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.