When an offer of a new credit card with a 0% APR appears, it is certainly very tempting to jump on the opportunity. But is a credit card offering a 0% APR too good to be true?

Remember, the more available credit you have, the better your credit utilization rate, and the better your overall credit score.

Whether you bear responsibility for your spouse’s credit card debt depends on many factors including when the debt was accrued, how the account has been managed throughout the relationship, and perhaps most importantly, where you live.

When used correctly, credit cards can be effective financial tools. Even so, it might do you some good to take a brief hiatus from using your credit cards for one month.

Whether you monitor your credit regularly or ignore it until you need to apply for a loan or finance a big purchase, your credit score impacts your finances daily.