Use Other People’s Money for Free
Protection for Purchases
Protection for Losses
Travel Advantages
Car Rental Savings
General Tips

Smart Strategy:
Time a big purchase a day or two after the closing date of your card’s billing cycle to get the maximum float. Look at your statement to find out your closing date.

When you use your credit card, you’re using the lender’s money. The question is, how much are you paying for it? If your card has a grace period and you pay the balance in full, then you’re paying nothing to use someone else’s money for anywhere from a few days to as much as two months, depending on the length of the grace period and when you make your purchase.

Smart Strategy:
What happens if you have to borrow money? A low rate credit card can actually be a great deal. Look for a steady, low-rate card and make sure you pay the bills on time so you don’t end up with a late fee or a higher rate.