Make a monthly budget before using your credit card. Track income, spending, and financial objectives. This will keep you on target and prevent overpaying.
When feasible, pay your credit card debt in full each month. This avoids interest and debt. Only carry a balance when required.
Plan Your Purchases Using Your Card: Use your credit card for scheduled food, petrol, and bills. Avoid impulsive buying and non-essentials.
LIKE SHARE SAVE
Know Your Credit Card APR. High interest rates might cause enormous debt if you hold a load. High-interest debt? Transfer balances to a card with a lower APR.
Pay at least the minimum by the due date to prevent late penalties and credit report damage. Set reminders or automated payments to pay on time.
Verify your credit card statements often. Report inconsistencies and unlawful charges immediately. Monitoring your statements can help you discover fraud.
Keep your credit card debt to credit limit ratio below 30%. This shows prudent credit use and can boost your score.