 TITLE: How Credit Cards Work CONTENT: How to Use Your Credit Card Responsibly\n---------------------------------------\nOnce you've received your card, make sure you know how to use it responsibly so you can build and maintain solid credit.\nIt's easy to rack up charges on a credit card, but don't forget to repay them along with any interest they may have accrued. Make sure you only charge what you can repay, ideally in full.\nPaying your credit card bill on time every month will make a big positive impact on your credit, as will keeping your credit utilization low. Make sure you don't max out your card, and avoid carrying a balance larger than 30% of your credit limit. END