 TITLE: How to Use a Credit Card Responsibly CONTENT: 3\\. Keep Balances Low by Using Your Card for Necessary Purchases\n----------------------------------------------------------------\nUse your credit card for essential purchases you would make even without a line of credit—groceries or gas for your car, for example. Avoid using your credit card to purchase items you don't truly need and can't afford to pay off quickly.\nUsing your credit card for everyday spending can help you build a strong credit history and allow you to earn rewards if your card offers them, such as cash back or travel miles. Plus, charging on a credit card tends to be safer than on a debit card.\nAvoid charging more significant expenses, such as rent or medical bills, unless you have high credit limits and know you'll pay off the purchases every month. Larger purchases can take up too much space in your available credit, boosting your utilization ratio and hurting your credit scores. END