The best and worst things to charge on your credit card

  • iStockphoto

    By Kristin Colella/TheStreet

    To charge or not to charge? That's the question credit card holders face when it comes time to make a purchase or pay a bill. The ability to earn rewards and defer payment until a later date can make credit cards mighty attractive, but it's important to stop and think before you swipe.

    Although credit cards can be beneficial in certain situations, they're not always so great in others, especially when extra fees are involved or you could get a lower interest rate using another form of payment.

    To help us determine whether using a credit card is a smart form of payment for several different types of bills and purchases, we consulted a variety of personal finance pros. Of course, we urge you to keep in mind that even when using a credit card is deemed beneficial by our experts, it's never wise to charge more than you can actually afford. If you can't pay off your balance in full each month, you can quickly sink into debt.

    Here's our list of the best and worst things to charge on your credit card.