Do you use credit? If so did you know that you are making the company that offers you credit is getting rich while you are getting poor. Yes, POOR! Why, because you are paying interest! When you are using credit your FICO or credit rating tells you how well you handle debt. This score if it is high enough helps you to get more credit. The more credit you have and use the less you have to spend on the things you want. By far the best method of spending money is to wait and save for the items you want and pay cash.