In the wide, mixed-up worked of credit cards, knowledge is king.

You can never know enough about where your current credit ratings stand. And you can never ask enough questions about credit cards while inquiring into your credit rating status.

Why?

Because with the unstable condition of most credit markets these days, knowing where you stand (in relation to how much outstanding credit debt you have versus what your overall credit limit is) will determine how much your credit is going to cost you.

In a paradoxical way, individuals with large amounts of unused credit limits can actually bring DOWN their credit rating by NOT USING their credit.