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If you're like many Americans, you've developed a bad habit of whipping out your credit card to pay for purchases and figuring out how to pay the bill later. This is not the right way to use credit. The good news is that with a little education, you can change the way you use your credit cards. Read on to find out what to do. Always pay credit payments before they are due. This increases your credit score. involve fees and damage your credit. Set up a payment schedule that is automatic so that you can save some time as well as put