Key credit card terms to knowYour ability to manage your credit cards responsibly will depend on how well you understand the terms of your credit cards and how credit scores are calculated. And, for the record, you can't pay a credit card with another credit card. How to maximize credit card benefitsEarning and redeeming rewardsTo get the most out of your credit card benefits, choose a card that aligns with your spending habits. You can also consider taking advantage of credit card balance transfer offers to manage high-interest credit card debt. Building credit history with your credit cardYou can build credit by using your credit card to make small, manageable purchases and pay them off consistently.

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