 TITLE: Credit Card Miles and Points: How Do They Work? CONTENT: Use Credit Cards Responsibly to Improve Your Credit History\n-----------------------------------------------------------\nChasing points and miles isn't a bad thing, but it can backfire if you're not careful. It's always a good idea to avoid spending more than you can pay in full each month. Rewards are nice, but if you're paying interest, it'll likely neutralize their value.\nAlso, try to keep your balance relatively low. Your credit utilization rate—your balance divided by your credit limit—is an important factor in your credit scores, and it's best to keep it under 30% at all times.\nAs you use credit cards to earn points or miles, check your credit score regularly to make sure you're on track to building or maintaining a good or excellent credit history. Not only will a good credit score make it easier to get approved for more rewards credit cards in the future, but it can also save you money and provide peace of mind in so many other ways. END