- Avoid paying unnecessary fees.
Pay your credit card bills before the due date to avoid late payment charges. If you can, fully repay the outstanding balance to avoid any interest charges.
- Avoid cash advance.
Withdraw cash with your credit card only as a last resort to avoid high interest charges.
- Limit your cards.
Only apply for what you need to avoid paying additional government service tax.
- Consider an alternative to credit cards.
Debit cards are good alternatives to avoid unnecessary fees and charges.