From my head on best credit cards
The money you'll pay in interest exceeds the money the credit card issuer will give you as part of the reward program. (That's why credit card companies make money on rewards programs. ) * Avoid extra fees by paying your credit card bills on time every month. The average late fee is $35, and too many late payments will allow your credit card company to raise your interest rate steeply. Don't get caught in that trap! If you have trouble remembering to pay your bills on time, setting up automatic payments can be a credit saver.