A major concern for military families is their credit.

Although there are other ways to bolster your credit score, 91 percent of military respondents to a 2010 FINRA Investor Education Foundation study said they had at least one credit card.

When used responsibly, credit cards can help boost your credit score and provide financing breathing room for military families. But misusing credit cards can do the opposite.

Here’s a look at three ways consumers misuse credit cards and wind up damaging their credit reports:
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