Treat your credit card like a debit card. Pay it off every 1 to 2 weeks. After getting caught with a maxed out Amex and being laid off, that's how I treat credi

Treat your credit card like a debit card. Pay it off every 1 to 2 weeks. After getting caught with a maxed out Amex and being laid off, that's how I treat credit cards. Saves me TONS of grief and money not going to the credit card companies' coffers. Oh, and go looking for cards with the best APR and reward points.