 TITLE: 5 Ways to Break Bad Credit Habits CONTENT: Understand Your Credit Card Bill\n--------------------------------\nIf you're making purchases with one or more credit cards on a daily basis—or close to it—it can be challenging to keep up with all of those transactions. At the very least, though, make it a goal to check your credit card statements every month.\nIf someone managed to steal and use your credit card information, not checking your bill every month could leave you unaware of the fraud. And if they have your credit card details, they may have other personal information they can use to damage your credit. If you see a potentially fraudulent account on your credit report, you may want to explore filing a dispute.\nReviewing your credit card transactions can also help you understand where your money is going, which could help you cut back in certain areas, giving you a little more cash flow to pay down debt, save or work toward other financial goals that are important to you.\nAs you check your bill, look through all of your transactions to make sure you recognize them. If you're only doing it once a month, it can be tricky to remember everything, so consider holding on to receipts so you can verify your charges.\nIf you want to be more diligent, check your online account every few days or once a week. You may even consider using budgeting software like You Need a Budget or Mint that imports your transactions across all of your accounts into one place for convenience. END