Home Loan: Credit Card Rewards and Benefits

Credit card holders who have the discipline to control credit card purchases can have benefits from credit card rewards, credit card rebates and other benefits. You should make sure that you have a usage pattern that strengthens your credit rating as well as gather credit card rewards and credit card rebates and other incentives provided by the card issuers.

Treat your reward credit card or rebate credit card just like cash, i.e. you should deduct the amount of each purchase you make with the credit card from your money account by making an entry in your check register or in some other way.
To maximize you handling of reward credit cards and rebate credit cards you should record every transaction, deduct money from your money account for each credit card purchase, all in line with good personal accounting.
An assessment of your rewards and benefits from your credit card should be done regularly when you review your spending. Compare options and compare credit cards conditions. If you notice that you have a need to limit your spending you may need to switch to debit cards or other reward cards.
Try to never carry a credit card balance and pay of the entire balance each month. The money to pay the credit card balance should be available from your money savings.
Besides earning benefits, handled correctly, gain 25 days use of your money that are generating interest.
Limit the number of credit cards, 2-4 cards ought to be enough. Select your cards with the features you need, credit card rebates or credit card rewards are one factor, no annual fee, low interest, low intro apr could be others. Do compare to find the best credit card offers online. Many online resources are available for finding the best offers suited for your needs. Use your credit card for all budgeted essentials such as rent, utilities, and groceries, etc. and get rewarded for your use.
Take use, but take charge, of your use of reward credit card: earn reward benefits such as airline miles, auto points, etc but do also build your credit rating by paying large balances each month.
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