There are plenty of people in this world that will try and take advantage of your good nature. It is your place to make sure that you protect yourself from this. The best way to do this is by being informed. The more you know about something the less likely you will be scammed.
When it comes to credit cards, people are worried anyway. Finances can be a very tricky subject, and for some quite a sore subject. But fear not there is plenty of information available on the world wide web on where to go and what to do. It is at this point I must out, don’t believe everything you read. Sometimes going straight to the horse’s mouth is best. So visit the corporate website if a credit card deal you have found on the net seems to be too good to be true.
Find the cards that don’t charge you an annual fee, and have an APR that does not change over the year to catch you out. Compare the cards before you apply, as the more you apply for and get denied, the lower your rating becomes, and the less chance you have at getting approved! It’s a vicious circle I know!
I have found some great rewards credit cards. Be aware that these cards will naturally have a higher APR, as they need to compensate for the spectacular reward they are offering. For example the best airmiles card I have come across is one by MBNA. Their BMI card offers a delicious 2 miles per point you spend!
Make sure you do carefully read all small print when it comes to these rewards programs. There may be clauses and little rules you have to follow to qualify.
I think the best advice about credit cards is that they are a need not a want. Treat them as that, and only use them when you really need to. This way you will keep on top of your finances and not get into irreversible debt.