 TITLE: How Does Opening Multiple Rewards Credit Cards Affect My Credit? CONTENT: How to Responsibly Use Credit Cards\n-----------------------------------\nThere's nothing wrong with using credit cards to meet your rewards goals. But it's crucial that you develop good credit habits to avoid the dangers credit cards can pose. Here are some ways to use your cards responsibly:\n*   **Use a budget.** Credit cards make it easy to carry a balance from month to month. But if you're working with a budget, it'll be easier to avoid spending money you don't have.\n*   **Pay on time and in full.** Credit cards charge relatively high interest rates. But if you pay your monthly bill by your due date every month, you don't have to worry about interest charges at all. Consider setting up automatic payments to avoid missing one.\n*   **Keep your balances low.** Again, your credit utilization is an important factor in your credit score. Some experts recommend keeping it below 30%, but there's no hard-and-fast rule. The lower it is, the better. You can keep your utilization rate low by making multiple payments throughout the month or using a mix of credit cards, your debit card and cash to avoid racking up a high balance. END