Money expert Clark Howard has seven rules for using credit cards that will help you stay on track and get the most out of your cards. Money expert Clark Howard says that consumers should avoid using the new Paze option that many banks are now offering.These forms can be found on our website. Merchants may require minimum purchase amounts on credit card transactions. Always use credit cards for online purchases. Don't suggest keeping cards on file for places you don't purchase from regularly. How do I purchase my books? You can pay with credit card and debit card if you are not on the book bundle. Log into online banking to view your credit card transactions, make a payment, redeem cash back rewards, set up autopay, go paperless and more. Online (Treasurer Web) You may pay with a debit card or a credit card using Visa, MasterCard, or Discover.