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It is certainly good to carry around a credit card for you can easily shop around without having the need to carry cash. However, not using your credit card wisely can spell financial disaster. The ease of using the plastic money can also give absolute financial turmoil and if you continue using it the wrong way you will be buried into debt in no time.
This may sound absurd but if you have a credit card it is advised that you do not use it. This may be difficult to do but if you really want to stay out of debt you should not use your plastic money. Discipline is the key to get rid of credit card debt and it is wise not to use your credit card. Alternatively, use your ATM card – it is as good as cash and you do not have to get into debt by using it.
However, if you really need to use your credit card be sure not to spend more than you can pay. It is also wise to pay the amount before your credit card cut-off date comes. This way you will not get charged for the amount you have spent. Interest rate applies once your balance passes by the cut-off date.
Cash advance is one tempting feature of credit cards. Unless you badly need cash avoid getting cash advance for it carries higher interest rate. If you need cash try loaning from a family member, friends or relatives this way you do not get charged for an interest.
If you have several credit cards choose the one which offers the lowest interest rate then cut-off the others. If you happen to use more than one credit card, you can also try transferring your balance from your other credit cards to the one with the lowest interest rate. This way you will have to pay just one bill each month and you will easily manage paying off your debt.