Americans put $ 2.2 trillion in debt on their credit cards last year . Percentage of those who pay late is highest in three years . Try to pay more than the minimum payments on your credit cards whenever you can . Some companies will lower your interest rate . Comment: Use no more than 10 percent of your available credit .
Americans put $ 2.2 trillion in debt on their credit cards last year . Percentage of those who pay late is highest in three years . Some companies will lower your interest rate . Comment: Use no more than 10 percent of your available credit .