In this episode of "Think Smart with TMFG," hosts Mike Connon and Financial Advisor, John Iacanetti at The McClelland Financial Group of Assante Capital Management Ltd., dive deeper into the world of credit cards—an everyday financial tool that’s often misunderstood. Building on their previous discussion, they explore practical strategies for effective credit card management, offering listeners actionable tips to maximize benefits while avoiding common mistakes.  Learn how to maintain a healthy credit balance, steer clear of pitfalls like carrying unpaid balances and using cash advances, and make the most of your rewards programs.  John also shares his personal experience navigating credit card debt, shedding light on how disciplined habits and smart usage can make a real difference.  They cover the many perks of credit cards—fraud protection, extended warranties, and convenience—while offering key advice on interest rates, automatic payments, and subscription management.  Whether you're new to credit or looking to sharpen your approach, this episode is full of valuable insights to help you use credit cards wisely and strengthen your financial well-being.