Pick the right credit cards - and use them wisely

Suggestions on how to optimize the use of credit cards are presented. Credit card users should maintain a maximum of four cards at any given time and should separate personal from business expenses so that the latter may be deducted during taxation periods. Either Visa or MasterCard enables holders to maintain a monthly balance for all cards for which they are charged from eight to 10% per year. American Express should be kept for business purposes since they provide the most generous rewards programs for subscribers.
Not all offers are as advantageous as they seem. Here's how to get maximum benefit from the good ones. Each year, credit-card issuers shower Americans with more than 2.3 billion [...]