Outsmart the credit card companies

Instructions

Do your research.
Look into the best credit cards available, considering rewards, interest rates, and annual fees.
Check your credit score.
Make sure your credit score is high enough to qualify for the best credit cards.
Pay off your balance.
Pay off your balance in full each month to avoid interest charges.
Take advantage of rewards.
Utilize your credit card to get the most out of rewards and points.
Negotiate.
Contact the credit card company and ask for a lower interest rate or more rewards.