Big brainstorm on credit card application
* Don't charge more just to get rebates or points. It's tempting to spend a few more dollars so you'll earn enough for a rebate check, but the interest you'll pay will cost you far more than the rebate check is worth. (That's why they have rewards programs. ) * Avoid racking up fees by paying your bills on time. The average late fee is $35, and too many late payments will allow your credit card company to raise your interest rate steeply.