People are always looking for convenience in one way or another. The choice of acquiring the things of your need now, and making the payment in future is so appealing that majority of the people have adopted it. The drawback is that you become indebted when you acquire something on these terms. It is very important to learn the proper use of this credit facility, so that you can save your self from paying undue charges. You should learn to manage your credit payments efficiently such as paying off the outstanding amount at the end of the month. This would not only save you from paying the interest on the outstanding amount, but it would also enable you in earning many rewards on efficient use of credit. These rewards may include cash back, air miles, or bonus points.