Be smart: get your free credit report
I work hard for the money and do everything to use my money wisely. Especially when it comes to credit cards. My basic strategy is: to pay all my debts off at the end of the month and accumulate extra rewards, cash and points for that!
If your credit card use is more complicated than mine, then you better ask at least once a year for a free credit report. First and foremost because it is free and it is your right to ask for it!
When you didn’t know that it is your legal right to ask for your free credit report, than chance is big you don’t know what else you can learn from your credit report. In that case I strongly recommend you to read further about the benefits you get when asking your free credit report!
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