 TITLE: Should You Use a Credit Card for Everyday Purchases? CONTENT: Tips for Using Your Credit Card Responsibly\n-------------------------------------------\nIf you've only ever used credit cards occasionally, it can be an adjustment to switch to using it in place of a debit card for everyday purchases. Make sure to follow these tips on using a credit card wisely:\n*   Aim to keep your credit utilization ratio at 30% or lower, and never max out your card.\n*   Don't buy things you can't afford; credit makes it easy to live beyond your means, but this is not sustainable. Only charge what you can pay off at the end of the month.\n*   Make on-time payments. Late and missed payments harm your credit, whereas a history of on-time repayment helps build positive credit. If you're likely to forget to pay your bill, set up calendar reminders or automatic payments for at least the minimum payment amount. END