Ensure that you keep your spending to a minimum and don't overdo it.


Your credit limit should not be relied upon to make purchases.

Avoid carrying a balance on a credit card with a high interest rate.

Make sure you don't rack up late fees by paying on time.

You should be careful when taking out a cash advance.

Banks and ATM offer credit card cash advances to help you get short-term cash, but they're expensive.

A plan can help you avoid or manage debt when money is tight.

Consider alternative credit card options before making credit card mistakes that are hard to repair.

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