Credit cards are the no-fuss cash

alternative. They're also a helpful tool when it comes to emergencies.

But the advantages of credit cards go far beyond mere convenience.

Getting the most from your credit card

Use it to stay on top of things.

Your credit card can help you keep track of your

expenses. Save your receipts and check them against your monthly

statement. Notify your credit card company right away if you spot any

errors.

If your credit card is missing or if you notice

suspicious charges, call the number on your statement or the back of

your card. In most cases , you won't be held responsible for any charges

if your card or account number has been stolen.

If you have online access to your account and your credit

card issuer offers optional security alerts, sign up to be

automatically notified of any unusual activity on your account.

Check with your credit card issuer about damage

protection. Some credit cards provide protection if you buy merchandise

that turns out to be defective.

Many credit card companies offer payment due date reminders. Sign up for these reminders to avoid being charged a late fee.

Use it to build your credit history

One of the main advantages of having a credit card is that

it can have

a positive effect on your credit score when you use it

wisely. By using your credit card regularly and making your monthly payments on time, you can build a solid credit history that says to

potential lenders "You can trust me."

Use it to save money

When you consistently pay your bill on time, you can

Improve your credit score. With a higher credit score, you may qualify

for low-interest rates on mortgages, cars and other big-ticket items

down the road , which could save you money.

Use it to get rewards

Depending on your card, you can earn a variety of rewards, including:

Cash back on everyday purchases, including gas and groceries

Airline miles that can be redeemed for trips or to purchase trips at a discount

Use it for peace of mind when traveling

Check to see if your card offers any of these credit card advantages for travelers:

Trip cancellation and delay insurance

Lost luggage insurance

Travel and emergency assistance

Follow these tips and you can find just the right credit card