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The selling point of the American Express Blue Cash Preferred, for instance, is 6% cash back on groceries up to the first ,000 spent, which roughly dovetails with what those in the upper middle class dole out in a year.

That means by using that one card, you can earn an extra 0.

Rewards, such as cash back rebates and frequent flyer miles, add tremendous value to your spending, while borrowers are entitled to useful ancillary benefits like extended warranties and price protection.

In a time of increased illegal hacking, stolen credit cards are much easier to remedy than pilfered debit cards.

The average household credit card debt is nearly ,000, per Card Hub, and families with more income tend to have more credit card debt than those who make less.

Which means ballooning card debt is a problem that is likely to affect you at one point in your life–no matter what you earn. It’s better to pay part of your bill on time, and carry a balance, than skip the payment entirely.

Don’t Carry a Balance A credit card is an unsecured loan.

Here’s how you do it for your Chase and Discover cards.Misused tools, though, cause damage, and credit cards are no different.If you’re not careful, you can sink into debt and hurt your ability to borrow money cheaply in the future.Do what you have to do to stay current, whether that means setting up automatic payments, a Google Calendar alert or paste yellow sticky notes all over your office.Do Pick Your Credit Card Due Dates If you still have trouble remembering, you can always pick a payment date that sticks in your head.First time borrowers should go after cards designed to build up their credit histories, such as the Northwest FCU First Card.A recent study by Nerd Wallet found that millennials with low credit scores apply, and are rejected, for more cards than young borrowers with better scores. Do Use the Right Card at the Right Place and Time You need a certain amount of constant vigilance to take advantage of a rewards card.That’s why it’s important to have a sense of how a prospective issuer would view your qualifications.Step one is to consult your borrowing rap sheet – a.k.a. You’re entitled to one free credit report a year from each of the three credit bureaus – Experian, Transunion and Equifax.A credit card is a tool, much like a hammer or Kanye West.And yet, this useful financial instrument is anathema to many borrowers, especially young adults.

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