When it comes to credit cards, if you’re pretty good at paying your bill on time and keeping your debt load manageable, you’re ahead of the game. But are you really getting the most from your perks and rewards programs? If the answer is no, you’re like most card users, says Matthew Goldman, CEO of Wallaby, a smartphone app that manages credit card use to maximize benefits. “Most people are definitely leaving money on the table,” he says. For some great tips for playing your (credit) cards right, so you can earn all kinds of rewards, perks, airline miles and more, red the full story on our sister site, Living on the Cheap. .