After you actually have card and you start spending, make sure you spend wisely. If, for example, card only offers rewards when shopping in a certain type of store, go there and buy what you need form that place. Pay attention to policy on your gas card as there are gas credit cards that only offer rewards when paying for gas purchase at a gas station belonging to a particular chain. None less, before making any spending decision you need to think if you have enough credit to pay for card line at end of month. You may win some cash-back bonus or a plane ticket, but this will be of no use if you will be in dept and unable to pay your credit card bills.

Maximizing credit card rewards can be achieved by anyone who thinks twice before getting card and spending money. It may sound complicated and difficult at first, but once you learn trick it will become a habit and you will see that you can spend money from a credit card and win some back at same time. Be careful with what card offers and what conditions are for you to be given your reward; choose separate cards for separate kinds of expenditures; spend money in places where issuer recommends - if you can manage with all these you are on right track to getting most out of your credit card reward program.

There are many things we need to remember and keep track of. One of these things is credit card information such as name of issuer, year and month of expiration, credit card number and PIN and help-line phone number. If you feel there is too much data to memorize it is best to have everything written down and kept in a safe place like a deposit box or your telephone - there are telephones that offer a special notebook feature which can only be accessed by introducing a code and where you can store data safely. Therefore, another thing you need to do is Keep Records of Important Information.

Managing credit cards is not child's play. You will need to keep good track of your money if you do not want to overspend or lose track of expenditures. You also need to learn that your money is your business and thus attention needs to be paid when giving out credit card identification information. Last, but just as important, you need to keep in handy support-centre contact information in case you need to report irregularities or you have questions to ask. Attention and common sense is actually all you need in order to use a credit card wisely.