It's a luxury card for those who fly frequently with Delta and can maximize the card's rich benefits. Those seeking a lower annual fee and more flexibility have other options.

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However, our opinions are our own. See how we rate credit cards to write unbiased product reviews. I think about credit cards all the time. As a personal finance journalist, I've covered credit ...

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In fact, there are a few strategies you can use this April to try and lower your total credit card debt. Find out about the debt relief options that could lower your credit card debt today.

Let's review the strategies below so you can start building credit history. Become an Authorized User An authorized user is someone added to the credit card account by the main cardholder.