What are some credit cards tips and how can consumers use them ...

First, don't apply for too many cards (start with one, then go to two). next use them wisely ? paying more than the minimum each month. Pay them off every once in a while. Then sit back and watch your credit score go up.

Unsecured debt such as credit cards gain small points on your credit from the unsecured part.
Keep the balances below 50% of the limit. over that, and you start losing points.
Credit cards do not build points quickly. Auto loans and mortgages build points quicker.

Use them very little and keep small balances.

It is an urban myth that carrying balances and making small payments over time helps your score. the best way to deal with credit cards is to use them every month and pay them in full. This builds a good payment history, saves interest, and keeps you out of debt.

Don't apply for a bunch of cards. one to three major credit cards from different banks, preferable with rewards, is more than enough to build your credit

Source: http://www.financetalkinghub.com/what-are-some-credit-cards-tips-and-how-can-consumers-use-them-properly-to-maximize-their-credit-scores.html

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