More and more Americans are using credit on a daily basis without realizing the effect it can have on their future. According to Experian's ?National Score Index ?, at least one in ten consumers have more than 10 credit cards. The overall average number of credit cards per consumer is 4 with an average amount of debt carried totals $8,500. For people who don't pay off their balance in full every month, it's so easy for this to number to grow quickly.

However, if used wisely, credit can be part of a sound financial plan. There are obviously good reasons to use credit, such as financing the purchase of a new home, major home improvements, or a car. Credit is useful in emergencies as well if you haven't saved up enough money in your emergency stash. But buying luxury items that you cannot afford or buying things that will not outlast the credit payments are not ?credit worthy? and can get you into trouble.

The following are some tips to help you use credit more wisely:

? Limit your number of credit cards. In turn, you'll be limiting your potential for debt. It's also easier to keep track of your money with less cards.

? Plan ahead when using your cards. Don't use them to purchase everyday items, food, or clothes. When you do use them, make sure your income will be able to cover it when the bill arrives, along with your basic living expenses.

? Always pay your bills on time and pay more than the minimum amount so you can reduce the monthly finance charge and pay them off quicker.

? Don't charge items that will not outlast the credit payments.

? Try living with cash and cut down on the frequency of charging.

? Eliminate store or department store cards; they typically have higher interest rates than bank cards.

, Inc. is a national, non-profit organization dedicated to helping consumers achieve financial wellness through . Established in 1994, Christian Credit One has helped over two million individuals achieve financial security. is one of the top members of the American Association of Organizations (AADMO), Christian Credit One manages clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit or call 888-767-9155.

Greg McTaggart, Certified with 22 years experience, licensed by AFCPE, Director of and is an expert in budget and Having the combined experience as a licensed Real-estate salesman, Mortgage Broker, Real-estate Broker, Notary, Ace Member of the Cincinnati Executives, Mortgage Assistance Counselor and Spokesperson of the radio talk show The Money Mentor, Greg McTaggart is a qualified to help you.