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Credit cards do not have to be evil. However, it is vital to use them responsibly so you do not get into financial troubles.

Charge cards, plastic that allows you to charge goods and services and then pay the balance in full every month, are becoming more popular again. Are they the way to go over debit cards for the responsible spender?

JP Morgan Chase has recently begun touting a new program offering new customers 100,000 airline miles.

Here are some common things people do to hurt their score and what you should do as an alternative.

Chase launched Slate with Blueprint, a new credit that provides users with some flexibility on how balances are repaid.

Amex, Chase, Bank of America, and other banks are canceling credit cards, often without notifying the holder in advance. This can result in severe inconvenience to a card holder to who may try to use the card, only to find it no longer works.

I use my credit cards responsibly and pay off my balance each month. I am not enthusiastic about the plans of the card companies to go after me in order to make up for their losses on others.

I had about $7,000 in credit card debt that I'd accumulated over the last couple of years. I called the bank to see about lowering my rate and at the same time set up my bill payment to pay it off. I then asked them to lower the rate. If they said no, I was going to press the button and pay off the balance.

Credit card issuers now seem to be placing more emphasis on offering insurance or payment protection plans for people that carry a balance on their credit card. In this time of uncertainty about one's employment and finances, these offers with their appealing advertising may seem like good financial protection, but the benefits are not worth the cost.