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Whether you’re getting your first credit card or you’d like to improve your habits with your credit card spending, we have some expert tips to help you use your card. There are many ways to use a credit card, but not all of them are wise or recommended.

You’ve likely experienced an overeager cashier or floor manager trying to sell you on the benefits of their store’s credit card. But are store credit cards worth it? Keep reading to find out what store credit cards entail, if they are right for you, and their pros and cons.

You can use your credit card to perform many useful functions beyond paying for items in-store and online. Credit cards can give you a financial safety net, help you shop safer, earn rewards, and even get cash back on purchases.