By 
Most of the time, people tend to abuse their credit cards instead of using them wisely. It’s hard for some people to stay in control of their finances when it comes to their credit cards, causing them to pay more in fees and charges incurred.
It is best to thoroughly and carefully read the terms and conditions that govern this card before even contracting it. Being properly priced doesn’t just mean knowing what the interest rates are, but also how they increase each time you shop. You should make sure you are aware of all charges associated with your credit cards.
There are a host of these fees, such as annual fees, over-the-limit fees, cash advance fees, and late payment fees. If you are not very careful and cautious, you could end up paying all those different types of fees unnecessarily.
Limiting the use of your cards is paramount if you want to keep things under control. A good way to keep your card is to keep your purchases at levels where you can pay off your balance in full each billing cycle. Remember to plan your budget wisely before you start using your credit card.
As soon as you reach your budget for each monthly cycle, it is recommended that you leave your card at home to discourage further use beyond your ability to pay. Then you should stick to using your debit card or paying cash up front to stay within your budget.
Get organized by controlling your finances through reminders. A typical calendar would be appropriate for documenting and recording your expenses in relation to your budget. This can be done by hand or stored on a personal computer. A good way to monitor your cards is online, where you can bank online and pay your balances online, as well as keep track of your outstanding balances and credit limits.
Take advantage of anti-theft and other protection offers made by your creditor banks for your cards. Online transactions also provide you with email alternatives to stay on top of your credit status and relevant account information. All of this information should be collected to help you organize yourself and your account.
It is also advisable and highly recommended to pay your balances in full each due date. This would prevent you from paying excessive late fees and finance charges which usually end up being higher than the original purchase you made.
Paying your balance in full and on time also helps keep your credit score high and gives you more credibility for potential future loan grants and other financial changes to your accounts. On-time payments give you the opportunity to pay low interest rates, and that alone makes your credit worth using.