Make credit cards work for you by maximizing rewards while avoiding debt. Key takeaways Always note the amount due and the payment date so you pay on time, every time. Read the contract with your card issuer so you understand the terms and check your credit reports regularly. To make the most of your cards, find out how to maximize points, cash back, and other perks. Credit cards are a way of life. Leaving home unburdened by cash is great—and so is getting a free airline tick