The Fair and Accurate Credit Transactions Act (FACT) allows everyone to a free copy of their credit report every year- Why is it a good idea to check your credit report every year?

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.