We're all talking about improving our lives for the better around this time of year. One of the things we tell ourselves is that this is the year we're finally going to take real steps to get out of debt. For many of us that debt comes from credit cards. If the recession of 2009 taught us anything it's that keeping a close watch on our money and credit is the best way to protect ourselves. Here are ten things you should know about credit cards and your credit score in the new year.