Credit cards are not only convenient, but they can actually make you money if you use them right.

1. Pay off the card every month – without exception. If you are only buying things that you already have money set aside to buy then this will not be a problem.

2. Keep the money you will use to pay the credit card in an interest baring account until you pay off the credit card. Work your payment on the credit card so that it comes after your interest is deposited. The money will be earning interest and making you more money while you wait to make the payment on the credit card.

3. Get the top rewards programs. You can earn money, shopping sprees and much more using the credit cards money.

4. Take advantage of no interest offers – particularly those that offer no interest AND no payments. In house credit cards will run this special fairly often. You can purchase the item, let the money sit in your savings until the offer expires and then pay it off in full – and you have money to show for your efforts.

Learn how to use credit cards instead of always letting the credit card company use you.