Credit cards can be powerful tools when used responsibly. In this interview, Bankrate expert Ted Rossman breaks down when it makes sense to use credit cards for everyday purchases, why paying your balance in full matters, and the often-overlooked perks that go beyond rewards — from purchase protection and extended warranties to travel insurance, cell phone coverage, and roadside assistance. Ted also explains why credit cards generally offer stronger fraud protection and easier dispute resolution than debit cards, how virtual card numbers work, and why turning on transaction alerts and reviewing statements regularly can save you time and money. Whether you’re trying to build credit, maximize perks, or stay safe from scams, this video shows how to use credit cards like a pro — without falling into debt.