Use Your Cards with Care to Protect Credit Rating

Using credit wisely means:

• Paying your bills promptly


• Keeping a list of all your account numbers in case cards are lost or stolen


• Controlling your spending


• Paying more than the minimum amount due


• Keeping copies of your receipts and checking them against your monthly bill


• Guarding against card fraud and identity theft by cutting up your old cards and shredding statements and unwanted credit card offers