 Keeping up with your bill payments and knowing that you can pay off your credit card bill when you put a big payment on that bill. Otherwise, it can really add up fast. Hamilton adds that the points and rewards you may accumulate may not be enough to offset other credit card fees. But still, it comes down to watching your cash flow. Paying attention to what fees they charge. Some don't charge fees. Some charge lower fees. So if you're aware of that and also aware of what rewards you're getting, that's kind of the best way to go. Ian Crawford, WTOP News.