With the holiday shopping season heading into its final frenzied stretch, scammers are out in full force to take advantage of busy shoppers.

Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them? Choosing to pay a bill with a card can have a significant impact on your general financial wellness — for better or for worse. It’s important to consider the many variables of this decision before going ahead with it. Let’s take a closer look at the pros and cons.

Using your credit cards responsibly is a great way to boost your credit score and your financial wellness. Here are some helpful tips you need to know about responsible credit card usage.

You don’t have to rack up a huge credit card bill or go into debt to cover your holiday expenses. Enjoy a financially stress-free season with these five tips: