The people swiping their cards to pay for food and gas are also paying for wealthy cardholders’ upgrades to business class.

If you keep a dozen or more credit card accounts open and have the discipline to avoid carrying a balance, you can rack up a ton of points and miles and redeem them for spectacular trips.

Why? Because having a high credit score comes with some sweet financial perks. Learn More: 6 Reasons the Poor Stay Poor and Middle Class Doesn’t Become Wealthy Here are seven secret perks of ...

The secret is understanding your billing cycle and maximizing your credit card grace period. Each month you use your credit card, you receive a credit card statement or bill. The statement covers ...

Remember when the CFPB announced last year it would cap credit card late fees at $8? A typical late fee hovers around $32, so ...

Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. filadendron / Getty Images Besides simply ...

How to cancel a credit card without dinging your credit score Carrie Pallardy has more than nine years of experience writing about a range of topics, including healthcare and cybersecurity.