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WWE Hell in a Cell 2020: Results, full recap and new champions

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WWE Hell in a Cell 2020: Results, full recap and new champions

Hell in a Cell may be a "B" pay-per-view -- meaning, not Royal Rumble, WrestleMania or SummerSlam -- but it was one of the most notable WWE events in months. A lot of that is thanks to the main event, where Randy Orton pinned Drew McIntyre to win the WWE Championship.

It's not just that, though. The Miz beat Otis in a head-scratcher of a match to win the Money in the Bank championship, which means we could see an attempted cash in by The Miz sometime soon. And later, Sasha Banks beat Bayley in a great Hell in a Cell bout to win the SmackDown Women's Championship. 

We now look ahead to Survivor Series. Taking place on Nov. 22, it'll be a celebration of the Undertaker's 30 years in WWE. 

Your new WWE Champ. 

WWE

Randy Orton becomes 14x World Champion

Randy Orton pinned Drew McIntyre clean, with an RKO, to become WWE Champion in the show's main event. 

The match started quizzically, with Orton, dressed as a cameraman, ambushing McIntyre as McIntyre was entering the Cell. McIntyre fought Orton off, and the match began. After some decent action, Orton cut open the chain that had locked the Cell and tried to retreat. This ended with both Orton and McIntyre on top of the Cell.

After some brawling, the two began to descend by climbing down the side. Orton battered McIntyre, who fell from the Cell through an announcer's table. From here, the match slowed down to a crawl -- but in a good way. The drama from here on out was excellent.

McIntyre did a fantastic job of selling. Orton dragged him back into the ring and setup the RKO. McIntyre countered with a rollup attempt, like the one he used to beat Orton at SummerSlam. He then hit a Claymore on Orton, who rolled outside the ring. McIntyre then threw Orton back into the ring and setup a Claymore. He missed, Orton hit an RKO and became a 14-time world champion.

Rating: 3.75 stars. The first half of the match was average, the second half outstanding. 

Bobby Lashley beats Slapjack 

This impromptu bout between Bobby Lashley and Retribution's Slapjack was for the United States Championship. After a quick, nothing match, Lashley submitted Slapjack with the Hurt Lock. After the match, Mustafa Ali came to the ring with the rest of Retribution. Lashley single-handedly fought them off, and then the Hurt Business hit the ring. Retribution fled.

Rating: 1 star. RIP Retribution. 

Sasha Banks beats Bayley

After a lengthy Hell in a Cell match, Sasha Banks became SmackDown Women's Champion after she made Bayley tap out. 

This was a long, back-and-forth match. It was flawed bout, feeling disjointed at times, but ultimately an outstanding one. Banks is absolutely awesome, with creative offense throughout and also some superb selling. She hit Bayley with a number of creative Meteoras throughout -- running up a table, off the ringside into the cage, and so on --  and ultimately won with a Banks Statement augmented with a chair around Bayley's neck.

Bayley did well on her part, too. I've often found her offense unconvincing, and that was an issue at points here. But she was very good when it counted, especially towards the end as the intensity built to the end. It's hard doing a 20 minute-plus Cell match in front of a virtual crowd, and these performers both did great.

Rating: 4 stars. Imperfect, but exceptional. 

The Miz pins Otis to win Money in the Bank briefcase

The Miz pinned Otis after Tucker betrayed his Heavy Machinery tag-team partner. Otis smashed Otis in the head with the briefcase when the ref wasn't looking, with the Miz pinning Otis immediately after. 

The match leading up to this moment was subaverage. Miz offense is generally weak, and that's made more evident when you're expected to take it seriously against a much larger opponent. John Morrison, Miz' tag partner, intervened at various points, and was ejected moments before Tucker's betrayal.

It was a shocker when Otis won the briefcase, even more so once Roman Reigns became champion. It's hard to imagine a long program between Reigns and Otis, a little easier to see Reigns defeat a challenging Miz. 

The fact that Miz won this match makes the cutesy build, which was mostly a comedy skit featuring JBL as adjudicating a spat between Miz and Otis, all the more galling.

Rating: 2 stars. 

Jeff Hardy vs. Elias ends with DQ

A SmackDown-quality match with a SmackDown-quality ending. 

After an OK match, Hardy hit a Twist of Fate on Elias. He went for a Swanton Bomb but Elias rolled out of the ring and tried to attack Hardy with his guitar. Hardy blocked him, took the guitar and smashed it over Elias' back, leading to an unceremonious DQ.

Rating: 1.5 stars. Just there. 

Roman Reigns makes Jey Uso say 'I Quit'

Hell in a Cell opened with Roman Reigns versus Jey Uso, an I Quit match inside a Cell cage. After a long, dramatic bout, Reigns made Jey say "I Quit" when Reigns locked a guillotine onto Jey's twin brother Jimmy.

This match was very similar to their confrontation at Clash of Champions. It started with fantastic back-and-forth action (different from their Clash match, which was almost all Reigns), and then slowed down for the final stretch. Reigns had speared Jey three times and locked on a guillotine, after which Jey was largely motionless. When Jey refused to quit, Reigns hit a Driveby dropkick onto the steel steps, which smashed into Jey's head.

Reigns took the steel steps and laid them atop Jey, telling him to quit. When Jey, who was basically dead, refused, Jimmy ran into the cage (defeating the purpose of having a cage) and begged him to stop. Reigns acted contrite, and shook Jimmy's hand -- before locking on a guillotine, leading to Jey quitting to save Jimmy.

The dynamic action that the first two-thirds of the bout consisted of was excellent. Reigns is a fierce heel, and Jey's offence as an underdog babyface is fantastic. The dramatic highpoint came when Jey brought out a strap and began choking Reigns, who began to pass out. Ultimately, it would be Reigns' guillotine choke moments later that ended Jey.

After the match, Afa and Sika, Reigns' dad and uncle, crowned him the Tribal Chief. 

Rating: 3.5 stars. Very good. The storyline was almost identical in concept and execution as last month's match, making it less effective. The last third, where Jey was dead and Reigns was trying to eek an "I Quit" out of him, also could have been trimmed by a few minutes. But the action proceeding it was excellent. 

Kickoff Show Results

R-Truth defended his 24/7 Championship on the Kickoff Show, taking on challenger Drew Gulak. Truth pinned Gulak in a short match to retain his title.

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Save $150 Off Apple's Recently Discontinued 256GB iPad Air 4 at Amazon Now

Save $150 Off Apple's Recently Discontinued 256GB iPad Air 4 at Amazon Now

Apple has released a new iPad Air, which means significant discounts are rolling out for the previous model. During its "Peek Performance" event in March, the company announced an all-new iPad Air 2022 to replace the iPad Air 4, which had been on the market for about two years. The newest model dropped at the Apple Store and other retailers March 18, but right now you can save $150 off the 256GB version of the fourth-generation iPad Air at Amazon, meaning you can pick one up today for just $600.

Part of the savings for this deal is an on-page discount, which automatically applies when you add the iPad Air to your cart and head to the checkout page. Previous versions of these at-checkout discounts have often not lasted long, so you may not want to wait too long before deciding whether this is the iPad for you. 

The new iPad Air uses Apple's M1 chip and has a new front-facing camera along with an optional 5G connection if you opt for cellular connectivity. Unless you plan to be doing resource-intensive activities on your iPad, like heavy games, photo editing and the like, the previous-gen iPad Air is likely more than enough for you. It's great for games, video chats, web browsing, social media, document creation and more. There are great keyboard attachments available, and you can pair it with a discounted Apple Pencil to take your experience to the next level.

Read more: iPad Air 2022 vs iPad Pro 2021: Which M1 Tablet is Best?

Looking for a different iPad model? Be sure to check out all the best iPad deals available today.

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

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The Worst Credit Card Mistakes You Should Stop Making

The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance	Annual percentage rate	Monthly payment	Time needed to pay balance	Additional interest paid
$2,000	14.55%	$50	4.7 years	$753
$2,000	14.55%	$180	1 year	$161
$2,000	25%	$50	7.3 years	$2,344
$2,000	25%	$180	1.1 years	$281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores. 

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check. 

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.

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How cell phones evolved how have phones evolved make samsung phone more like pixel from iphone to pixel how to pixelate an image on iphone from iphone to pixel galaxy s22 vs iphone 13 galaxy s22 ultra vs iphone 13 pro max iphone galaxy s21 iphone galaxy watch 4 iphone galaxy s20

iPhone, Galaxy S, Pixel: How smartphones evolved to dominate your life

iPhone, Galaxy S, Pixel: How smartphones evolved to dominate your life

This story is part of The 2010s: A Decade in Review, a series on the memes, people, products, movies and so much more that have influenced the 2010s.

Steve Jobs' pitch for the original iPhone in 2007 as a phone, music player and internet communicator was a landmark moment in the tech world. It crystalized the iPhone's almost mythic reputation from the start -- remember the nickname, the Jesus phone? -- and helped usher in the idea that smartphones could be chic. But looking back, those three capabilities barely scratched the surface of what we can do with the modern smartphone.

What can you do with one now? Everything.

"We never imagined how a decade later iPhone would become such an essential part of our lives, from streaming TV shows and playing games, to finding directions when traveling, to managing health and fitness, to opening garages in smart homes, to sharing beautiful memories with stunning photos and videos," Phil Schiller, head of marketing for Apple, said in an email.

As CNET explores the impact of various technologies over the past decade, none has changed our lives as dramatically as the smartphone. When the original iPhone launched, and the first Android phone, the G1, followed in 2008, they were still the stuff of gadget enthusiasts with loads of disposable income. Even 10 years ago, at the launch of the Motorola Droid -- the first Android phone to enjoy mass appeal, thanks to a massive marketing blitz by Verizon Wireless -- we were just getting started with the potential that came with smartphones and mobile applications.

Nowadays we take for granted that we have a virtual supercomputer in our pockets. Our iPhones and Android handsets let us hail a car right to our location, draw from a library of hundreds of thousands of television shows and movies stored online, or livestream our silly antics to millions across the world. You can shoot down cartoonish avatars of your friends in Fortnite. They've literally been revolutionary, with secure messaging apps playing a role in the Arab Spring movement in the early 2010s and the Hong Kong protests against China playing out today.

We never imagined how a decade later iPhone would become such an essential part of our lives.

Phil Schiller, head of marketing for Apple

Think about it: What's the one thing you can't leave your home without? Chances are, it's your smartphone. It's become such a critical part of our lives that we're starting to question whether we're spending too much time on them. Tech giants like Apple and Google have even introduced ways to tell you how much time you're spending on your phone -- with apps found on the phone.

"It's astonishing how quickly we've gone from being astonished to having an always-connected supercomputer in our pockets to somewhat resenting having a supercomputer in our pockets," said Avi Greengart, an analyst at research firm Techsponential. 

No matter where you stand on the spectrum of smartphone dependence, it's undeniable the staggering impact they've had on society, culture and how we live our lives.

"A lot has changed since 1.0," Stephanie Cuthbertson, director of Android, said during her Google I/O keynote speech in May. "Smartphones have evolved from an early vision to this integral tool in our lives, and they are incredibly helpful."

Clumsy to coveted

Smartphones had been around for years before iPhones and Android handsets became the default mobile devices of choice. The white-collar crowd happily tapped on the physical keys of their BlackBerrys. Old-school gadget enthusiasts would've proudly shown off their Palm Treos or their "Pocket PC" phones (with a stripped-down version of Windows jammed behind a smaller screen). Never mind that these devices required a precise stylus to navigate. 

With the original iPhone, Steve Jobs and Apple changed how we interact with the world. 

Getty Images

In 2007, Jobs and the iPhone changed the meaning of a smartphone, making a touchscreen device intuitive -- and fun -- to use, thanks in large part to the full browser experience and tricks like pinch to zoom. It's the only phone that I could pull out at a bar and legitimately impress women with. (That still wasn't enough help.)

In July of 2008, Apple introduced its App Store, opening it up to third-party apps. Google would follow with the G1 smartphone (also known as the HTC Dream) and its own app store a few months later. The G1 catered more toward gadget enthusiasts and lacked the mass appeal of the iPhone, but it was no less influential as the launchpad for Android.

Today, there are more than 2.5 billion active Android devices out there, making Google's OS the most dominant platform in the world.

"Today, everyone has a smartphone, and that's amazing," said Peter Chou, co-founder and former CEO of HTC, which built the G1, who stood on stage with Google co-founders Sergey Brin and Larry Page when the device was unveiled.

Smartphones have evolved from an early vision to this integral tool in our lives, and they are incredibly helpful.

Stephanie Cuthbertson, director of Android

But it wasn't until the debut of the original Droid, which next month celebrates its 10th anniversary, that Android catapulted into the mainstream, thanks in part to a huge marketing campaign from partners Google, Verizon and Motorola.

Upping the ante even further, Samsung jumped into Android in 2010 with a willingness to build up its Galaxy S franchise by way of an even more impressive marketing push, which created the two-horse dynamic we see today (Apple vs. Samsung, Apple's iOS vs. Google's Android).

"It's exciting to reflect on 10 years ago launching the first Galaxy S smartphone," said Drew Blackard, head of product management for Samsung Electronics America. "Over the past decade, we've introduced a number of industry-leading innovations that have given our consumers a better mobile experience and changed the way we think about smartphones."

From fart apps to limitless videos

The explosion of smartphone demand wasn't driven just by increasingly advanced, and bigger, hardware. The handset's Swiss Army knife utility came from the sheer number of programs available to us. It took Apple's App Store and the Google Play Store about eight years each to surpass 2 million apps, from standbys such as Instagram and Angry Birds to obscure apps for bird watching.

It's easy to forget that the early experimental days included fart apps that raked in $10,000 a day or useless virtual lighter apps. At that point Android, which initially didn't have the same oversight that Apple gave iOS, was a real Wild Wild West, with tons of junk apps.

You'd never be able to watch all that's available on video streaming sites, even if you stared at your phone all day. 

Sean Hollister/CNET

That's a far cry from the utility of apps today. You pretty much can't get lost, thanks to Google Maps. Protestors use secure messaging platforms like Signal and WhatsApp to coordinate demonstrations. Uber and Lyft mean you're never stuck without a ride -- even a helicopter ride. Apps like Life360 or Disaster Alert can literally save your life.

Entertainment buffs, meanwhile, would need several lifetimes to watch the countless hours of programming found on apps from Netflix, Hulu, Amazon Prime Video and HBO Go, among others -- with new options such as Apple TV Plus and Disney Plus emerging all the time.

Societal changes

When Samsung unveiled the original Galaxy Note in 2011, the then-gargantuan 5.3-inch display provided rich fodder for endless mockery. Remember, the first iPhone had a 3.5-inch display.

Today, the original Note seems quaint in its diminutive stature. Samsung's latest, the Galaxy Note 10, rocks a 6.8-inch display, while the iPhone 11 Pro Max features a 6.5-inch display.

Nowadays, smartphones are almost too large to hold in one hand. 

Juan Garzon/CNET

"The desire for more screen in your hand has exceeded the grasp of your hand," Greengart said.

When the world was transitioning to all-touchscreen phones, there was a constant debate about whether people could let go of buttons. Back in 2009, handset makers were still experimenting with different ways to cram QWERTY keyboards onto handsets, said Gartner analyst Tuong Nguyen. The G1, for instance, had a slide-out physical keyboard. 

Many of us can now blind touch-type on a display by memory.

The desire for more screen in your hand has exceeded the grasp of your hand.

Avi Greengart, an analyst at Techsponential

Smartphones are also notable for what they've destroyed as much as what they've enabled. Those little supercomputers have left a wake of failed businesses over the years.

When was the last time you saw a point-and-shoot digital camera? Google Maps rendered GPS navigation systems irrelevant, and when I want to feel really old, I tell younger reporters about a time when I used physical (paper) Thomas Guide maps to get from one assignment to another. Apple's iPod and other MP3 players, Cisco's Flip video cameras and even voice recorders have virtually disappeared.

Outside of luxury fashion statements, wristwatches became a novelty until companies like Apple brought back the trend by offering smartwatches. They work by connecting to -- what else? -- your smartphone.

Rise of China

The smartphone revolution was radical enough that it destroyed an older generation of handset stalwarts. Nokia and BlackBerry were the kings of the mobile device -- and now neither of those companies makes phones, having licensed out their names to upstarts eager to make the most of once viable brands. US phone pioneer Motorola is owned by Chinese consumer electronics giant Lenovo. 

Microsoft, which dominates PCs with its Windows software, couldn't make Windows Phone work. HTC, the maker of the G1, has virtually disappeared from the scene. 

Some of the most interesting phones are coming out of Chinese companies -- like Huawei, with its foldable Mate X. 

Juan Garzon / CNET

While Samsung remains the king of the hill for smartphones and Apple remains the most profitable player, much of the action in the smartphone world is now coming out of China. Huawei, embroiled in controversial claims by the US that it's a security risk, is the world's second-largest smartphone maker, and that's without selling any phones in America. TCL, a Chinese company best known for budget televisions, has the rights to make phones using the BlackBerry brand. 

Many features, like the addition of multiple cameras, a pop-up camera or the use of slimmer bezels, emerged from companies like Huawei or smaller Chinese players such as Xiaomi, Oppo or OnePlus.

The inevitable backlash

The days when we'd get giddy over each new Android or iPhone release are gone. And though innovation is still on the horizon with the rise of 5G and foldable phones like the Galaxy Fold, enthusiasm has given way to a more critical look at how these tiny slabs of metal and glass have really affected our lives. 

That little buzz or chime creates an almost Pavlovian need to check your phone, a phenomenon dubbed FOMO, or fear of missing out. It has critics worried that the generation raised on smartphones will be too glued to their screens to operate in the real world. After all, older generations are already hooked on their phones. 

"We all seem more preoccupied with what comes out of those little screens than what is going on around us," said Carolina Milanesi, an analyst at Creative Strategies.

The very companies that serve up these time-sucking gadgets are working on apps and tweaks to their operating systems to minimize the amount of time you need to spend on the devices. Through its Screen Time feature, Apple's iOS 13 lets you control access to apps, and allows parents to manage their kids' activities better too.

In November, Google launched a Digital Wellbeing tool to offer many of the same kinds of controls. Part of Google's presentation at its I/O developer conference in May was focused on being smarter and quicker about addressing your needs.

"Looking ahead, we see another big wave of innovation to make them even more helpful," Cuthbertson said.

We've come a long way from simply making phone calls, playing music and browsing the internet.

Originally published Oct. 21, 5 a.m. PT.
Update, 3 p.m. PT: Adds background.

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