Wisely used credit cards can provide enough points and other rewards, to help with a good vacation without causing financial problems. Others that use credit cards foolishly just charge vacations on the cards and return home to stressful bills. If you prefer the perks involved with wise credit card use, keep reading for some great tips on getting the most out of your credit cards.

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Do not close any credit card accounts before you are aware of the impact it will have on you. Many times closing an account can lower your credit score and will show up negatively on your credit report. In addition, keep the oldest credit card accounts open because a major factor in your overall credit score is the length of time since credit was established.

Avoiding late charges is important, but you also want to avoid going over your limit because you will be charged for that as well. Both fees are pretty expensive and can also affect your credit score. Keep an eye on your balance so it does not exceed your credit limit.

Always pay your bills well before the due date, as this is a big part of maintaining your high credit score. Paying your bill late can cost you both in the form of late fees and in the form of a reduced credit score. You can save a lot of trouble by setting up automatic payments.

Be aware of the interest rate that you are being charged. This is espec