Following these simple recommendations you will get the most from your credit cards.

Pay your credit card bills on time. This is the most important thing to consider to preserve and enhance your credit rating. Always pay at least your minimum payment.

If possible, pay off your balance in full each month. If not, then make as large a payment as you can comfortably afford. Paying off or paying down your balance will save you money on interest charges.

Review your statement carefully each month. Check it carefully. Do all the charges look correct? Have any required credits been applied? Are there any unusual or unexpected charges? If you bring the statement to your credit card company before you pay your bill they will correct legitimate errors.

Negotiate for a lower rate with your credit card company.