Jessica always thought the grace-period feature of her credit card was a wonderful idea because her charges were interest-free during the grace period- After taking Dr- Art Keown's personal finance course, she learned this startling truth about grace periods.

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.