 TITLE: How to Manage Your Debt CONTENT: Use Credit Cards Strategically\n------------------------------\nThere are times when using a credit card is a smart way to finance a purchase, particularly if you use a credit card that allows you to collect rewards. Cash back or travel credit cards, for example, may give you a statement credit or travel miles for every dollar you spend. Choose a card that provides rewards on your biggest spending categories, like groceries, gas, dining out or entertainment.\nCarrying a balance and paying interest on the card will eradicate those benefits, however. Only consider opting for a rewards card if you're confident you can pay off your balance each month. END