Charge Off  As the saying goes, "Cash is king." But in a world
where swiping a card is decidedly faster than counting back
change or writing a check, it appears that there may be a new
queen of the house.  Woman with credit card  With credit cards
comes both responsibility and opportunity to manage your
finances by being able to track your spending, improve your
credit score and establish a credit history that may come in
handy during tough times. The key to making credit cards work
for you, instead of against you, is to understand your credit
card.  Choose the right card for you  Before you sign up for
that enticingly low-rate offer that comes by way of email or
snail mail, shop around for credit cards. It could be that great
rate only lasts six months or the annual fee eats up any savings
you could enjoy from the low introductory rate. If you shop
around, you may be able to find that same low rate with a card
that has no annual fee. A general rule of thumb is that fixed-
rate low interest cards are always be