Every credit card has a limit of how much money you can spend. Be sure to never go over the limit, and if possible, only use your cards for emergencies or when you have no other alternative purchasing method. Also try to avoid maxing your credit cards out, as this will put a serious ding in your credit report, and you won’t have the credit in an emergency. All credit cards come with a spending limit. Using your credit card just for financial emergencies will help you avoid exceeding your limit. When you max out your credit card limit, it will end up hurting you, because you might not have this money to use when it’s really needed. Only inquire about opening a retail credit card if you are serious about shopping at the store regularly. When retail stores put in an inquiry on your credit to qualify you for a card, it gets recorded on your credit report whether you open the card or not. An excessive amount of inquiries from retail stores on your credit report can actually lower your credit score.