There’s a lot of credit card debt in the U.S., about $5,000 per person according to figures released by TransUnion in November 2012. As a result, what we often hear about credit cards is how bad they are for our finances. To be fair, credit cards are designed to entice consumers to spend more – and more than they can afford. If they weren’t, the credit card business just wouldn’t be profitable. That said, a credit card can be a handy financial tool when used mindfully. Get some tips to help you enjoy the convenience of credit – and keep your cash too – in my new post on Dividend.com.