Credit cards are an incredibly valuable financial tool if used correctly and strategically. Not only will they do wonders for your credit score, but many come with additional perks, like cashback and free travel. But underneath the fancy perks they are all essentially the same and there is a right and a wrong way to use them. These five golden rules will ensure you do the most positive damage to your credit score! #1 Pay the full balance off every single month Without fail. No excuses.  You must pay your full balance off every single month. Using your credit card like a debit card is golden rule number one! You…