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Doing so keeps you from abusing credit, reduces the risk of identity theft, and makes bookkeeping easier. It gave me time to learn about money without the temptation to spend.Whether these factors outweigh the potential damage to your credit score is a call only you can make. Now that I can manage my finances responsibly, I carry a personal credit card once again.This can be a real plus to those age 50 and older, since you are likely to have a more established credit track record than someone in her 20s, 30s or 40s.A word to the wise, though, about managing your credit cards in the context of your credit score.Your credit score is an all-important, three-digit number that determines much of your financial life.Too bad more of us don't understand how credit scores work. Maintaining a healthy credit profile is important because your credit rating will impact everything from whether you get a much-needed loan to what your life insurance and auto insurance rates will be.The debt that can most likely lower your credit scores is credit card debt — not mortgages, car loans or student loan debt.So if you want to raise your credit scores, focus first on lowering your outstanding credit card balances.

Be aware that canceling a credit card may actually hurt your credit score.

Just as you’d treat a chainsaw with respect, you need to be careful with the way you wield credit.

If you’re not careful, you could do some real damage to your financial life.

Even if you pay off a credit card in full, it's generally best to keep it open and not close the account.

Closing credit cards can backfire on you, by decreasing the length of your credit history and raising your credit utilization ratio.

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