We are highly marketed-to from the credit card industry, which has contributed to record amounts of credit card accounts and revolving debt. These credit cards are crushing the ability of many American’s to build margin. Knowing that we spend more when we utilize credit cards, it is important to build in a plan for the credit card or cards you hold. In this series we will look at the purpose behind having a credit card, whether you have the right credit card, whether you are maximizing the benefits offered through the card as well as using your credit line properly.