Credit cards can truly be a great tool to have - if used responsibly - to make major purchases or have in an emergency when you are running low on cash.

However, it's always important to remember that your credit score matters. Check it frequently because your score reflects your credit history, which affects how much interest you will pay when you get a new credit card and even your interest rates on a loan.

Check out this helpful guide to learn about credit card tips, FAQ's, the "Do's & Don'ts" to owning a card and more!

Also, don't forget that you can get a free copy of your credit report each year at AnnualCreditReport.com.