- Avoid unnecessary fees.
To avoid any late payment charges, pay your credit card bills prior to the due date. If you can, fully repay the outstanding balance and avoid interest charges altogether.
- Avoid using the cash advance facility.
While convenient, avoid withdrawing cash with your credit card as they are prone to high interest charges.
- Limit the number of cards you hold.
Only apply for what you need to avoid paying additional government service tax.
- Consider an alternative to credit cards.
Debit cards can be good alternatives to avoiding the fees and charges imposed on credit cards.