 TITLE: 8 Things You Should Do When You Get a New Credit Card CONTENT: Use Your Card Responsibly\n-------------------------\nYour new credit card isn't just a convenient way to make purchases—it can also be a valuable tool to help you build a good credit score. Here's what you can do to use your new card responsibly:\n1.  **Don't charge more than you can pay off.** If you carry a balance on your card from month to month, you'll have to pay interest, which can add up quickly. If you regularly have trouble paying your balance in full, you're probably using your credit card to live beyond your means.\n2.  **Don't charge up to your credit limit on the card.** Do you want to use your card for a big purchase, like a vacation that you plan to pay off next month? If that purchase takes you too close to your credit limit, credit scoring companies may calculate your score before your next payment is due. If you must make that purchase, don't wait until the due date to pay it off: Make small payments before the due date to keep your total credit utilization low.\n3.  **Make your payments on time.** Timely payments help build a strong credit score. If you're worried about missing a payment, set up autopay. Get more tips on using a credit card responsibly. END