 TITLE: Should You Get a Credit Card From Your Bank? CONTENT: How to Make Your Credit Card Work for You\n-----------------------------------------\nCredit cards are handy tools for making purchases and earning rewards, but only as long as you use them responsibly so you can build your credit rather than hurt it. You can do so by taking the following steps.\n*   **Pay on time.** Your payment history has a huge influence on your credit score, and making even just one late payment can bring your score down, not to mention potentially triggering late fees, interest charges and other penalties. So always be sure to pay your statement on time (and in full, if possible) every month.\n*   **Pay more than the minimum amount**. Most credit cards require you to pay at least a minimum amount each month to avoid late fees. More than that, though, you should try to pay as much of your statement balance as possible so you don't start carrying a large balance that accrues interest. High credit card balances will also raise your credit utilization ratio—the amount of credit you have available versus the amount you are using—which can in turn bring down your credit score.\n*   **Use your card for everyday purchases.** If you carry a card that earns rewards, you can maximize your earning by using it for most of your purchases, especially in any bonus categories it might offer. That said, only do so if you're able to pay off your balance on time and in full every month. Otherwise, interest and late fees will wipe out the value of any rewards you earn.\nGetting a credit card from your bank can be a great way to continue building your financial profile and credit history as well as earning valuable rewards. It can also be easier to qualify for a credit card from an issuer you already have a good relationship with. That said, you might want to look beyond your own bank to get cards with the best intro bonuses that earn the types of rewards that will be of most use to you. For personalized offers, check out Experian CreditMatch™. END