Flexibility and many benefits offered credit card partially offset by the danger either temptation to buy and live outside capabilities. It is also the danger of abuse and credit card fraud. Given the danger behind the use of credit cards, then the wise thing what can you do?

• Do not have too many credit cards
Having many credit cards will charge you to pay annual dues and make you tempted to spend more. If you have more than two credit cards, you should immediately close the other credit card. Considerations in choosing a credit card which will be maintained, among others, interest rate credit cards, credit cards and limit the benefits offered by credit cards really useful for you.

• Budget funds for credit card
In preparing the budget, enter the maximum amount of funds which may be used by credit card.
• Keep track of purchases using credit cards
With a record will help you know how much you should pay so that will help you ‘put the brakes on’ next purchase. This entry can be matched with billing statements to see if you really make the purchase.

• Try to always pay the full bill
This is useful so that you are not burdened by a very large interest. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more frugal. For example, by reducing the visiting cafes, the mall or eat out. When boarding or renting your home, consider whether you can move to another place that is cheaper.

• Avoid using credit cards to withdraw cash
Credit cards can indeed be used to withdraw cash at an ATM, but this is not free. You must pay interest on cash withdrawals an even higher value than the interest rate for spending.

• Beware of credit card fraud
Mode of credit card fraud increasingly diverse either by phone or Internet. So, it could still be careful with not notify the credit card number, expiration date, or other information to strangers.

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