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Household Debt survey. If you're one of these people carrying a high balance on your card, you're probably racking up interest charges. So, as your make money on the balance of money card issuer is making money off the interest and fees you have to pay, you're losing more and more of your hard-earned cash.

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Advertisement But there's a smart way you can pay off your credit card debt: Make your credit card work for you. Sure, swiping your card everywhere you go won't get you rich quick. But when you use your credit cards strategically, you can generate some cash for payments.

Or, if you're debt-free, you can use the extra funds to pay for an upcoming trip or that flat-screen TV you've always wanted. Here are seven creative ways you can make money with your credit cards. This type of card is called a cash-back credit card.

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Depending on the type of card you get, you can earn 1 percent or even 5 percent in cash-back rewards for certain purchases.

Take the Discover it card, for example.

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And in addition to 5 percent cash back, you get 1 percent unlimited cash back on all other purchases. This card also offers a rare perk: Discover matches dollar-for-dollar all of the cash back you earn in your first year, which can add up quickly.

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The more you use a cash-back credit card, the more cash you can earn. Be careful, though.

Watch out for scams

Pay off your credit card balance in full every month to avoid racking up credit card debt and paying high interest charges. If you fall too deep into debt, the cash-back rewards might not be worth it.

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You can take your pick of credit cards offering sign-up bonus points. So, you might want to use this card, or similar rewards cards, for as many expenses as possible. And if possible, see if you can rack up rewards points by using your credit card to pay your rent.

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Thanks to the power of compounding interest, your cash-back rewards will grow into a sizable nest egg over time. Take the Fidelity Rewards Visa Signature credit card: You can earn unlimited 2 percent cash and have those rewards automatically deposited into an eligible Fidelity account, such as a brokerage account, a college savings plan, a retirement account and more.

These offers can, in fact, be tremendous money-saving tools if used wisely.

To maximize your investment earnings, look for credit cards with no restrictive categories. The more restrictions, the fewer opportunities to cash in and invest your rewards.

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But what if you don't travel often? Shteyn suggested selling your points for money by booking tickets for friends and family with points in exchange for cash.

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Although some rewards programs allow members to gift rewards or points to their family and friends, selling these perks for cash might violate the terms and conditions of some programs. So before you sell, carefully read your credit card rewards' terms and conditions thoroughly - and make sure the process is not illegal in your state.

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You might need to log into your credit card account in order to access these savings and take advantage of the deals. For example, eligible Discover card members can earn additional cash back when they shop through Discover Deals.

To do this, many or all of the products featured here may be from our partners whom we receive compensation from. Our opinions are our own.

This includes 5 percent cash back when they shop LivingSocial, Apple, Wal-Mart and other online retailers. Other credit card issuers have similar shopping portals.

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Whichever shopping portal you use, read the terms and conditions and fully understand how the program works. This investing platform automatically invests your spare change from everyday purchases.

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Simply sign up, and link your credit card or debit card. For every purchase you make, Acorns rounds up your purchases to the nearest dollar and invests the difference, turning your spare change into income. Your funds are invested in a diversified portfolio to lower your risk, and you can link as many credit cards as you like. The amount you can potentially earn through the app depends on how often you use a linked credit card.

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But if you're a college student with a valid. Advertisement This is probably a foreign concept, but some DIY-ers are exploring their crafty make money on the balance of money and making handmade jewelry using expired credit cards.

The profit you can generate from selling these unique fashion pieces vary.

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But if you're interested, there are credit card accessories on Etsy. Business Buzz Newsletter.