Credit Cards: How To Choose – And Use – Them Wisely Using your credit cards wisely is largely a matter of being informed – e.g., how much your card company is charging you for credit – and by following some simple tips for using the card. Credit CARD Act of 2009 Examine The Card’s Terms Considerations Other Than Cost How Different Balance Computations Affect The Cost of Credit Rebate and Rewards Cards: Are They a Good Deal? Use It Wisely How To Dispute Improper Charges Government and Non-Profit Agencies