For many people, filing up their shopping cart can be exciting. Using a credit card can initially help cover costs, however your financial well-being could take a hit over time if not used correctly. Consider taking these steps to ensure you’re using your credit card responsibly.

For many people, the phrase “credit score” causes anxiety. You may even know what yours is, but you might not know how important that score is for your financial health. Credit scores have several components, many of which you can manage with some careful planning.