Pay Your Balance Every Month

The best way for you to avoid credit debt is to pay off your balance every single month.

Pay Your Credit Card On Time

Once you miss a payment, late fees will be charged and then the payment will roll over so your next payment will be a lot more.

An Emergency Fund Is A Must

Using a credit card for emergencies is okay, but when you don’t have the money to pay it back right away, then that can be a problem.