Credit cards can be friend or foe to your wallet or pocketbook, it all depends on how you utilize them and of course, manage them. So, what can you do to make certain you aren't accidentally engaging in improper credit card habits? There are ways to avoid all of those spine-crushing fees--specifically if you start making your monthly payment on time. And if you pay more than the minimum monthly …

That low credit score ruins everything, doesn't it? For so many Canadians, low credit scores can be a chain holding you back from getting lower interest rates, and even worse, better financial opportunities. Asides from making it difficult to buy a home or rent a nice place for yourself, a bad credit score can even keep you from landing a decent job.

While this may appear unfair, it's how things …