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You know those people who pull out a different credit card each time they make a purchase? Admittedly, I'm guilty. I have several cards in my wallet that I use interchangeably to maximize reward categories. But it's important to note that I slowly built my way up to this point.
Spending on a credit card is a great way to earn cash back, travel rewards, and other perks. But if you're not diligent, you can do yourself and your credit history a disservice. Conscientious cardholders use their cards to build up their credit score and earn a return on purchases they already make. However, there is a fine line between managing your credit to build you up and mishandling it to bring you down. To help you bridge that gap, here are five rules that responsible credit card pros always follow.