Bangalore: Owning a credit card does not mean that you will land in debt one fine day. If used wisely, credit actually can work for you. If it always seems like your credit cards have the upper hand. There are a number of ways you can benefit from owning a credit card, and ways you can actually make your credit work for you. Pay It Off If you want your credit card to work for you stop the interest you paying. Even if you pay 20 percent that is a big amount thrown away to make purchases. Try and look for a good strategy that would serve a better purpose for your credit cards, but first address your interest payments by paying down the debt and finding a new card with a lower long-term rate.