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Avoiding the Pitfalls of Everyday Purchasing with Credit Cards Credit cards are so easy to use, we can end up paying for everything with them. To avoid financial penalties, however, you need to stay on top of how you're using your card. Getting Free Credit Reports Your credit rating is a valuable asset which you need to keep an eye on. Did you know that you can get three free credit reports every year? Keeping Track Of Your Credit Card APR Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too.