Credit is a use it or lost proposition, says CNBC Personal Finance Expert Carmen Wong Ulrich. In order to keep your credit reportin tip top shape, you need to use your credit cards regularly. Fortunately, though, you can reap the rewards of healthy credit and/or points for airline miles and still avoid paying those expensive fees and interest payments. Watch the video to see Carmen Wong Ulrich's tips for using your cards without feeling the pinch in your wallet.

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