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WhatsApp, Kik, Viber or ReTXT: Which third-party messenger is right for you?

WhatsApp, Kik, Viber or ReTXT: Which third-party messenger is right for you?

James Martin/CNET

There is no shortage of third-party messaging apps in either the iTunes App Store or the Google Play Store and it's pretty easy to see why. While every smartphone has a default messaging app, none have many extras.

Sure, you can send photos and videos, and probably emoticons, but beyond that the default chat apps are pretty bare. To its credit, Apple has made strides with iOS' Messages app with features such as being able to send your location and voice memos, while Android will let you send contacts and other business-related tasks, but there's not much fun in that.

Fortunately, third-party messaging apps are mostly free, offer fun extras, and some even have added features like encryption to keep your messages secure. All use data, so any texting limits you have with your carrier don't apply and the ones that make calls are free for people who have the app.

Feature comparison

Obviously, a text messaging app has to let you send text messages, and adding photos and videos is more or less the standard with these type of apps. But it's the extras like locations, contacts, and even doodles that set some of these apps apart. On the other hand, you may be someone who is uninterested in stickers and gifs, so this chart will let you zero in on the things you need and the things you don't.

	WhatsApp Messenger	Kik	Viber	ReTXT
Text messages	Yes	Yes	Yes	Yes
Phone calls	Yes	No	Yes	No
Photos	Yes	Yes	Yes	Yes
Videos	Yes	Yes	Yes	Yes
Audio clips/voice memos	Yes	No	Yes	Yes
Video calls	No	No	Yes	No
Sketching/drawing	No	Yes	Yes	No
Locations	Yes	No	Yes	Yes
Share contacts	Yes	No	Yes	Yes
Special Graphics/Stickers	No	Yes	Yes	No
Emoticons	default keyboard	Yes	Yes	default keyboard
Subscription	Yes ($0.99/year)	No	No	Yes ($0.99/year)
Encryption	No	No	No	Yes
Read receipts	Yes	Yes	Yes	Yes
In-app purchases	Yes	Yes	Yes	No

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James Martin/CNET

WhatsApp Messenger

WhatsApp has been in the third-party text messenger business for a long time, and even if you're not using it, chances are a lot of your friends are. The app has an extremely easy setup because you don't have to add buddies or invite people; WhatsApp Messenger scans your contacts for other users of the app and lets you start a conversation on your own.

WhatsApp shows your chats in little text bubbles, gives you a time stamp for messages, notifies you when a text has been viewed by your recipient and lets you include photos, audio notes and videos within your conversations. You can also change your background and send your GPS location to an interactive map. You can use premade away notes such as "I'm busy," "Available" or even "My battery is about to die," and you can block specific contacts from within the app. You also can easily send a friend's contact information to another user without leaving the app. So, while the app is not leaps and bounds ahead of other messaging apps, there are some nice extra features here.

It's important to note that WhatsApp is free for the first year of use, but then you'll need to sign up for subscription at 99 cents per year. But even though free is always better, I think a dollar a year (at the current exchange rate, that's about £0.65 or AU$1.25) is easily worth it for what you get.

Where it excels

• A lot of people already use it so you don't have to convince as many people to download it.
• Location maps look natural inline and let you tap to get more info.
• You can make free calls to others who have the app.
• You can customize the look by changing backgrounds.

Where it falls flat

• You can't make video calls.
• It has no special graphics other than emoticons.
• It doesn't have strong encryption.

Best for: People who know that their friends already use the app. Also, it's great for sending texts and making international calls to others who have the app.

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James Martin/CNET

Kik

Free; iOS, Android, Windows Phone

Kik is a messaging app that's much more about fun than it is about productivity. Yes, it has the regular messaging features and you can easily add photos and videos like most apps, but the extras here are more for a younger audience and not what you get with the other apps in this collection.

I noticed right away that Kik didn't have the ability to send your location or contacts. Instead, it's set up for having fun with things like stickers, the ability to sketch, add the latest viral videos and memes, and more. One really useful feature is the ability to perform an image search from within the app. It also has an assortment of original emoticons, but the ones you can use for free are not much different from what you get on your default keyboard.

And that's the other thing about Kik. It has its own currency called Kik Points (KP) that you use to buy sticker packs and special emoticons you can't find anywhere else. You don't buy Kik points with cash, though. You earn them by completing surveys, visiting specific websites, or signing up for services from one of Kik's partners. In other words, it's a way for Kik to make money without billing the users of the app.

Where it excels

• It has a huge number of things you can add to your messages, like stickers, icons, doodles, memes and more.
• You can perform an image search from within the app to add images to the conversation easily.
• It has its own in-app browser to find other content.

Where it falls flat

• Lack of location-adding and contact features make it less useful for working folks.
• The requirement of using Kik Points to buy features means you'll need to jump through hoops to get that unique zombie emoticon.

Best for: Students or groups of friends who like to keep the conversation going continuously with lots of fun stuff to add

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James Martin/CNET

Viber

Free; iOS, Android, Windows Phone

I recently reviewed Viber and found it to have the most useful features I've seen so far in a messaging app. It's excellent for messaging and calling your friends for free around the globe and you can even make video calls.

Sending a message is just like other apps, with balloons for each of the people chatting, and you can set up group texts for up to 100 participants. You can create an audio clip by touching the microphone, then touching and holding a big button in the bottom center to record. You also can send photos and videos, and you can send your location.

For some fun, there is a doodle feature, which lets you pick a brush size and color, then draw on the screen to send little doodles to your friends. You also get a good assortment of stickers for free, but can buy themed sticker packs if you're interested.

But what sets Viber apart from most third party messaging apps is the ability to make both audio and video calls and you can do it on a 3G connection or better. The app uses your regular phone number, and you can call anyone around the globe for free provided they also have the app. In my testing, call quality was excellent and even sounded better than regular calls on my iPhone.

You'll have to pay (through in-app purchase) if you want to call landlines or people who don't have the app, but it has a guide which shows how much it will cost you depending on the country.

Where it excels

• You can make free calls to other people who have the app (like WhatsApp) and you can make free video calls.
• Both audio and video calls are high quality even without a Wi-Fi connection.
• It has its own assortment of high-quality, original emoticons.
• It has plenty of stickers included for just about any situation, and you can buy more if you want themed sets.

Where it falls flat

• The Public Chat features let you browse subjects and enter a conversation, but you can't participate (coming in a later update).
• Not a lot of people use it.

Best for: People who want to message, or make audio or video calls internationally for free.

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James Martin/CNET

ReTXT

Free; iOS and Android

ReTXT is the newcomer to the collection having only been out for a few weeks, but in my review, I really liked the unique features you can't find in the other apps of this collection.

It does all the usual things such as letting you send photos and video, and you can add audio clips and send your location. But while it's not big on special graphics, stickers or anything like those, it has something even better to offer: the ability to correct or delete a message you already sent. Everyone has been a victim of their smartphone's autocorrect at one time or another, but with ReTXT, you can just tap the sent message and edit whatever you want. It then corrects the message for both you and your recipient.

Another unique feature is the capability to ask for clarification. When someone sends you a message that doesn't make sense, you can tap a button that sends them a question mark that appears right next to their own message balloon. This indicates that they should clarify their meaning without you having to ask questions or engage in a lengthy back-and-forth conversation.

Finally, ReTXT has strong security features which ensure you and your recipient are the only people to view your message content. It doesn't store your conversations on any server, and it has end-to-end encryption. The other apps can't boast this level of security, so if security is your number one concern, this is the app for you.

It's important to note that -- like WhatsApp -- you'll need to pay a 99 cents a year subscription (about £0.65 or AU$1.25), but if these features are important to you it's easy to part with a dollar per year.

Where it excels

• ReTXT lets you edit sent messages to fix any errors, whether it was an autocorrect mistake or maybe even something you shouldn't have said in the heat of the moment.
• You can ask for clarification by touching a button so you can avoid the back and forth texts.
• End-to-end encryption means you'll know only you and your recipient can see your messages.

Where it falls flat

• It doesn't have any customization or special graphics and emoticons besides what comes with your default keyboard.
• Almost nobody uses it because it's so new.

Best for: Those who find themselves making a lot of typos in their messages, or those who want an added level of security not found in other messaging apps.

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CNET recommends...

All of these are great chat apps, and really it comes down to a matter of your messaging style for which one you pick. But I think for most people, the fact that Viber covers so many bases puts it on top.

Not only does it have more practical features, like sending your location and contacts, it also has fun features which let you add audio clips and stickers to your conversations. And the fact that you can make both audio and video calls pushes it over the top.

There's still the problem of getting your friends to download the app, but with all these features, it shouldn't be too hard to convince them.

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Why Does Your Stomach Hurt? Common Causes and How to Get Relief

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Why Does Your Stomach Hurt? Common Causes and How to Get Relief

Stomach aches are one of the most frustrating, yet common ailments. They can be caused by so many different things: Were those leftovers expired after all? Or do you perhaps have a food sensitivity or a GI condition? There's never a convenient time to be bowled over with cramps, but some symptoms -- like gas or noisy rumblings -- can get especially embarrassing.

Based on your symptoms and how frequently you experience them, you can nail down the most likely culprit behind your stomach pain -- which means you can treat and manage it more wisely. Below, we go over the most common reasons that your stomach hurts and what to do, including when it's time to call the doctor. 

Read more: Probiotics Explained: What to Know Before You Buy

If your stomach hurts suddenly

Acute stomach pain comes on quickly and lasts for a limited amount of time, typically a few hours to a few days. It's usually caused by external factors, like a particular food or contaminant that didn't agree with your stomach. Even people with completely healthy digestive tracts will experience occasional stomach pain.

Indigestion

Indigestion, or an upset stomach, is abdominal discomfort manifesting in bloating and uncomfortable fullness, sometimes early on into a meal. You may also feel heat or burning in your abdomen. It can be triggered by certain foods, particularly spicy or greasy food, caffeine, alcohol, chocolate or carbonation. It can also happen after eating too quickly, or as a side effect of some medications. Herbal teas such as peppermint, ginger or chamomile help provide relief, as can over-the-counter stomach medicines such as Pepto-Bismol.

LightFieldStudios/Getty Images

Food poisoning

Food poisoning is the result of consuming a contaminated food or drink. Symptoms can take hours or days to develop, and they include upset stomach, cramps, nausea, vomiting, diarrhea and fever, according to the Centers for Disease Control and Prevention. If you're experiencing frequent diarrhea, vomiting or both, this can also lead to dehydration. It's important to continue drinking fluids regularly and call a doctor if your symptoms worsen or don't go away within a few days.

Gastroenteritis

Gastroenteritis, often dubbed the stomach flu, is caused by several different viruses, bacteria and parasites, per the CDC. It's not related to the regular flu, but it does spread in a similar way: by coming into contact with an infected person or ingesting food or drink. Symptoms vary depending on the exact germ, but often include stomach pain along with diarrhea, fever, body aches, headaches and nausea. 

Most people recover from the stomach flu within a few days. The main risk is dehydration, which some are especially vulnerable to, including babies and immunocompromised people. Drink plenty of fluids, and if you see symptoms of dehydration or if your symptoms don't go away within three days, see a doctor.

Constipation

Constipation happens when you're unable to have bowel movements at your usual frequency. It tends to cause a feeling of bloating or fullness, as well as sharp cramps and aches. If you do have a bowel movement, it's likely hard and dry.

Constipation can be caused by a wide range of factors, from not eating enough fiber to certain medications. If your constipation is mild and occasional, try drinking more water, eating extra fiber and exercising. Laxatives or stool softeners can also help allow your stool to pass and provide relief.

If you're experiencing severe, ongoing constipation, the above treatments may not work well. A doctor can help narrow down the cause so you can get the right treatment.

Gas 

Trapped gas can cause similar symptoms to constipation, including bloating and belly pain, but it may also cause belching or flatulence. Some foods are more likely to cause gas, like beans, vegetables, fruits, dairy and carbonated drinks. 

Gas is a perfectly normal part of the digestion process; it's when it builds up in your body that it becomes uncomfortable. To prevent painful gas, you can avoid foods that make you extra gassy (this varies from person to person), eat slowly, and drink peppermint or chamomile tea before meals. Exercise can also help get the gas out of your system.

Mental health

Your mental health and gut health are intimately connected via the gut-brain axis. Stress and anxiety can both lead to an upset stomach, with symptoms ranging from bloating to cramping and loss of appetite. A lack of sleep can also impact your gut health and lead to digestive issues. 

Read more: The Gut-Brain Axis: How Your Gut Affects Your Mental Health

LaylaBird/Getty Images

If you have chronic or frequent stomach pain

Chronic indigestion, constipation or gas, meaning it happens on a regular, ongoing basis, can sometimes be a symptom of an underlying condition. A few of the most common digestive conditions are listed below -- but remember that only a health care professional can diagnose you, so make sure to consult with your provider if you're concerned.

Lactose intolerance

Lactose intolerance is extremely common: 65% to 70% of the global adult population has some level of intolerance to lactose. In the US, people of African, indigenous, Asian or Latin American descent are most likely to have lactose intolerance, per the National Institute of Diabetes and Digestive and Kidney Diseases. 

Even if you can eat some amounts or types of dairy and not others, you may still be lactose intolerant -- most people have differing levels of tolerance, and not all milk products have the same amount of lactose. Symptoms include bloating, diarrhea, gas, nausea, stomach rumbling and abdominal pain. In some cases, vomiting can also occur.

If you don't want to avoid dairy altogether, keep track of which foods cause the worst symptoms for you and steer clear. Or you can take a lactase tablet, such as Lactaid.

Irritable bowel syndrome

Irritable bowel syndrome, or IBS, is one of the most common digestive disorders out there -- but it's actually not a disease. Instead, it's a functional GI disorder, marked by a group of symptoms that occur together in the absence of any "visible signs of damage or disease" in your digestive system, per the NIDDK. These include abdominal pain, diarrhea and constipation.

IBS, like other functional GI disorders, seems to stem from problems with the gut-brain connection that cause your gut to be extra sensitive -- and 50% to 90% of cases occur alongside a psychological condition, such as depression. IBS can also relate to genetic factors, inflammation or altered gut bacteria, according to the International Foundation for Gastrointestinal Disorders.

This chronic, long-term condition can be managed with the help of a doctor, who can recommend specific lifestyle changes and other treatment.

Inflammatory bowel disease

IBS is often confused with IBD , but the two disorders are completely different. IBD stands for inflammatory bowel disease, which is an umbrella term for digestive diseases that involve chronic inflammation. The two most common inflammatory bowel diseases are Crohn's disease and ulcerative colitis.

Crohn's disease causes inflammation in the lining of the digestive tract, most frequently in the small intestine. As the inflammation extends deep into body tissue, it causes severe abdominal pain and diarrhea. Other symptoms of Crohn's include chronic fatigue and unintentional weight loss.

Ulcerative colitis causes ulcers in the lining of the GI tract, specifically the rectum and colon (or large intestine). It causes similar symptoms to Crohn's disease, including stomach pain.

Treatment for IBD depends on the specific disease and symptoms, but may include lifestyle changes, medication or surgery. Patients with IBD will often be managed by a gastroenterology specialist physician.

Fertnig/Getty Images

Celiac disease

Gluten-free foods may be a health trend these days, but for people with celiac disease, they're a medical necessity. Celiac disease causes even a tiny amount of gluten to trigger the body's immune system to attack its own small intestine. The lining becomes damaged, making it difficult for the body to absorb the nutrients that it needs to function. This can lead to digestive issues, extreme fatigue, weight loss, malnutrition and anemia. And over time, more severe and long-term complications can occur, including osteoporosis, reproductive issues and even neurological changes.

Many people with celiac disease don't know they have it. A doctor can determine a diagnosis and develop a treatment plan.

Gluten can also cause stomach pain in people without celiac disease. This is considered gluten sensitivity, and it doesn't involve an immune response or damaged intestine.

Other conditions

There are many other reasons people suffer from stomach pain, including gastritis (an inflamed stomach lining), food allergies, ulcers, a urinary tract infection, appendicitis, endometriosis and some forms of cancer, among many others. 

Read more: How to (Finally) Fix Your Chronic Stomach Issues

When to call a doctor

Bottom line: If you're experiencing any of the following symptoms, it's time to call a doctor.

• Bloody diarrhea, stools or vomit
• Black stools
• Persistent fever over 100.4 degrees
• Signs of severe dehydration, like feeling dizzy or a lack of tears or urine
• Unintentional weight loss or loss of appetite
• Fatigue
• Trouble swallowing
• Diarrhea that lasts for longer than three days

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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You need to try these new Apple Watch 7 features

You need to try these new Apple Watch 7 features

After setting up your new Apple Watch Series 7 that you got this holiday season and pairing it with your iPhone, it's time to check out all the new features and tweak a few settings to make the most of your new Watch. The Apple Watch Series 7 comes with a larger screen, faster charging and a more durable design. That might not sound as exciting as the blood oxygen sensor that debuted in last year's Series 6. (Here's how the Apple Watch 7 compares to the Apple Watch 6.) But the Series 7's new features have the potential to add more convenience to a lot of everyday tasks, from checking the time to resp onding to texts and tracking your sleep. 

Apple unveiled the $399 Apple Watch Series 7 during its product launch event on Sept. 14 alongside the iPhone 13 family, a refreshed iPad Mini, and a new entry-level iPad. The new Apple Watch is a light update to the Series 6 that's ideal for people looking to replace a watch that's several years old.

Read more: Apple Watch 7 review: A slight upgrade compared to last year's smartwatch

If you're considering the Apple Watch Series 7 or already bought one, here's a breakdown of what's new and why it matters. You can also check out all the Apple Watch Series 8 rumors we've heard so far.

Apple Watch Series 7 has a QWERTY keyboard

The Apple Watch Series 7 should be easier to type on. 

Apple

The Apple Watch has a new QWERTY keyboard that takes advantage of its larger screen, which is about 20% bigger than the Series 6, allowing you to type similarly to how you would on a phone.

What's new: A full-size keyboard means that you aren't limited to sending a canned response to a text, scribbling a quick note or dictating a message, as is the case with the Apple Watch Series 6.

How you'll use it: The Apple Watch Series 7's QWERTY keyboard lets you tap each key to type, or use Apple's QuickPath feature to swipe between letters without lifting your finger. You'll still want to use your phone for messages longer than a short sentence, but it still generally makes it easier to text using the watch.

The bottom line: The Series 7's QWERTY keyboard makes it easier to send longer and more complex messages that are uncomfortable to scribble or too private to dictate. It's another example of how the Apple Watch has evolved to become better at working independently of your phone in the years since its launch. 

Third-party Apple Watch apps like FlickType already allow you to type on your Apple Watch, but having it as a native option on the watch results in a smoother experience. It also means watch owners won't have to rely on third parties for this potentially vital tool, which is important considering some keyboard apps have been accused of participating in App Store rating scams.

Read more: Apple Watch 7 upgrade: How to trade in your old watch to get the best deals

Larger screen on the Apple Watch Series 7 amps up reading

The Apple Watch Series 7's larger screen can fit more text.

Apple/Screenshot by Sarah Tew/CNET

The Series 7 is Apple's first major redesign since the Series 4 launched in 2018. The new watch comes in 41-millimeter and 45mm sizes for the first time, representing a shift away from the 40mm and 44mm sizes that were available on the Series 4 through Series 6. 

What's new: The Apple Watch Series 7's screen is about 20% larger than the Series 6's and more than 50% bigger than the Series 3's. The borders that frame the screen are also 40% smaller than those of the Series 6, allowing Apple to expand the screen size without making the device much larger. But don't worry, older watch bands are still compatible with the Series 7. 

How you'll use it: The Series 7's larger screen makes it better at its most important job: showing information that's easy to see at a glance so that you don't have to grab your phone. The larger screen means the Series 7 is capable of displaying 50% more text without having to scroll, making reading text messages, emails and notifications more convenient. 

There's more: Apple also updated the user interface in its apps to make better use of that larger screen. Apps like the stopwatch, activity and timer now have larger buttons, meaning it's easier to hit snooze even when you're still half asleep. You also get specific watch faces that are optimized for the Series 7's bigger display, such as a new version of the Modular face that can fit complications with more information. I've been using this new watch face to see my activity progress, the time and weather forecast at a glance.

And don't forget, WatchOS 8 introduces the ability to set Portrait mode photos as your watch face, and the Series 7's larger screen is better able to show them off.

Read more: Apple Watch Series 7 vs. Series 6: The biggest changes coming in Apple's new smartwatch

A brighter screen in always-on mode

Apple/Screenshot by Sarah Tew/CNET

Apple also updated the Apple Watch's display in a different way by making the screen more visible in always-on mode. It's another addition that makes it even faster to get quick bits of information from your watch. 

What's new: The Apple Watch Series 7's screen is up to 70% brighter in always-on mode when your wrist is down, according to Apple. However, Apple specifically says this applies to indoor usage.

How you'll use it: The Series 7's improved brightness means it is even easier to see information like the time, your activity rings and your next meeting without having to wake the watch's screen. It feels like a step toward making the Apple Watch's screen appear the same whether it's asleep or in use, and doing so creates a more seamless look that doesn't feel jarring when switching between awake and idle mode. 

To use this feature, you'll want to make sure the always-on display setting is turned on in the Apple Watch's settings menu. On your Apple Watch's app screen, press the settings icon, scroll down to Display & Brightness and tap Always On. From there, make sure the switch next to Always On is toggled on. 

What about battery life? You could also choose to keep this feature turned off if you want to maximize battery life, and Apple hasn't said whether the brighter always-on screen will affect the watch's power consumption. I've been wearing the Apple Watch Series 7 daily with the always-on display setting turned on, and it typically lasts for about a day and a half. But battery life will always vary depending on your usage, and activities like using GPS connectivity while running will cause it to drain faster. 

Read more: Best Apple Watch accessories

Apple Watch Series 7 charges faster than Series 6 

The Apple Watch Series 7 should charge 33% faster than the Series 6.

Apple/Screenshot by Sarah Tew/CNET

The Apple Watch Series 7's battery lasts as long as the Series 6, but the amount of time it takes to charge your watch has dipped. 

What's new: The Apple Watch Series 7 can charge up to 33% faster than the Apple Watch Series 6, according to Apple. It takes 45 minutes to charge from zero to 80%, and 8 minutes of charging should enable 8 hours of sleep tracking. In CNET's testing of the new Apple Watch, reviewers found this to be true. Charging the Watch for at least 30 minutes made the battery jump from zero to 54%. In comparison, the Series 6 only replenished 37% in the same amount of time. 

How you'll use it: We've been asking for more battery life out of the Apple Watch for years, but that's especially relevant now that Apple has added native sleep tracking to its smartwatches. Rather than extending the watch's battery life, Apple makes it easier to quickly charge the watch during short windows throughout the day, presumably so that you don't have to charge it overnight. The idea is that you'll be able to top off the watch's battery whenever you have a few spare minutes.

The bottom line: The Apple Watch Series 7's faster charging speed is another way in which Apple is trying to make its smartwatch a more capable sleep tracker. In addition to making the Series 7 easier to charge in a pinch, Apple also added the ability to measure respiratory rate during sleep with its WatchOS 8 update. Taken together, these improvements could help Apple catch up to Fitbit, which offers multiday battery life on its watches and more in-depth sleep metrics. 

Read more: Best Apple Watch bands for 2021

The Apple Watch Series 7 has a brawnier build

The Apple Watch Series 7 comes with tougher crystal and is dust resistant. 

Apple/Screenshot by Sarah Tew/CNET

Exercise tracking has become one of Apple's biggest areas of focus for the Apple Watch. The Series 7 is more suitable for outdoor activity since Apple claims it has a more durable build. 

What's new: The Apple Watch Series 7 is rated for IP6X dust resistance (a first) and is coated in a crystal cover that Apple says is 50% thicker than that of the Apple Watch Series 6. That means you'll feel at ease wearing it to the beach or during a hike. 

How you'll use it: The Series 7's increased durability pairs nicely with the new cycling features in WatchOS 8. The new software brings an updated version of fall detection that Apple says can tell the difference between falling off a bicycle and a different type of accident. Apple also says WatchOS 8 can automatically detect outdoor cycling workouts. (See Lexy Savvides' test of the new Apple Watch cycling features here.)

The bottom line: We put Apple Watch Series 7's durability to the test. Those who want a truly rugged watch have military-grade options from Garmin and Casio to choose from, or could opt for a rugged Apple Watch case. But these updates suggest Apple is trying to push the Apple Watch beyond basic workouts and appeal to those who might need a more durable watch for activities like rock climbing. That's the premise behind the rumored Explorer Edition, which Bloomberg reports will come with greater impact resistance and could launch in 2022.

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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

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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.

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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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