Instances when you should consider using your credit card are emergencies and in automatic payment schemes
. To make sure you do not forget to pay your bills on time, sign up for automatic card payments. Instead of paying multiple bills, you only need to remember to pay your credit card bill. This saves a lot of time and multiple penalties from different companies, in case you are bad at remember due dates. Use the best credit card you have, meaning the one with the lowest interest rate, for this purpose.