Money transfer apps can be magnets for scams and fraud, but there are ways to use them safely.

Paying bills on time helps you avoid late fees and extra interest, and it also protects your credit score. And that saves you money on everything from loan and credit card interest to auto insurance.

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If you’re disciplined about paying your credit card bill in full each month, using a credit card to cover everyday expenses — like your phone bill or streaming subscriptions — can help you build ...