Your credit card company is required to send you a notice ________ before they can increase your interest rate, change certain fees (such as annual fees, cash advance fees, and late fees), or make other significant changes to the terms of your card.

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.