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There are credit card tips. Then there are credit card secrets. These latter are little known tricks that credit card companies play on you. Here are some of the best credit card tips.

1. You can get rid of annual fees. If you have good credit, just call and ask for fee to be removed.

2. If you are late on one card interest rate can be increased on other cards as well..

3. Watch for changing due dates. This is a trick used by some credit card companies to get you
to pay late, so they can collect the late fees.

4. Transferring a balance that you were going to pay off soon anyhow will just cost you more if there is a 3% transfer fee.

5. Their cards usually have lower rates. I have zero liability for unauthorized charges.

6. Ask to have the late fee waived. Some credit card companies will waive a late fee - but only if you ask. All it takes is a phone call.

7. Credit cards are for convenience.

8. Don't buy the credit card insurance. This typically stops your payments when you are injured or unemployed. This typically stops your payments when you are injured or unemployed. It is one of the most over-priced insurances out there.

9. Avoid credit card security insurance. It pays for unauthorized charges when your card is stolen, but you are only liable for the first $50 if you report the theft in any case, and many cards already have 0 liability.

10. Pay high-interest cards first to reduce credit card debt. If you have $200 monthly to apply to your credit card debt pay only the minimums only on all cards but the card with the highest interest rate. Put all the rest of the money towards that one. Once that one is paid off work on the next highest. This is the fastest way to get rid of your credit card debt.