Mary is 38 years old and many of her friends have gotten into trouble using their credit cards to buy things they can't afford- She feels lucky that her grandmother told her that credit is dangerous and that she should always pay cash for everything- So far, Mary has never had credit in her name and even paid cash for her car- From a personal finance perspective, what advice would you give to Mary?

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.