Most people spend more when they use credit cards instead of cash, so it can be easy to drown yourself with credit card debt before you know it. We don’t want that to happen to you. Have a budget in mind before you spend and don’t spend what you can’t pay back.
Remember, when you use your debit card, the money is deducted directly from your checking account. But with a credit card, you’re borrowing the money. So again, before you charge, you need to think through how you’re going to repay.
To keep your credit card spending under control, start out by selecting just one category to charge at first, like gas or groceries. Don’t add a new category until you’re sure that every month you can repay what you borrow.
Also, try keeping your credit card balance below 70% of your limit and keep your credit card debt low enough so that your required payments are no more than 10% of your monthly income.