FILE - This Nov. 18, 2009 file photo shows credit and bank cards with electronic chips in Gelsenkirchen, Germany. In the wake of recent high-profile data breaches, including this week’s revelation that hackers stole consumer data from eBay’s computer systems, Visa and MasterCard are renewing a push to speed the adoption of microchips into U.S. credit and debit cards. (AP Photo/Martin Meissner, File)

How to keep a high credit score

A high credit score ensures you will likely qualify for perks like competitive loan rates and credit cards.