Credit cards come with some big responsibilities and it's a smart idea to wrap your head around how they work.
Budgeting and your spending habits
Get an understanding of your credit card spending habits by reviewing your bank statements or keeping a daily diary. Is your monthly spending higher than your income? What sort of saver or spender are you?
If you want to pay less interest on your credit card balance – you might want to consider trying to pay as much of it as you can each month, while always being mindful of your other financial commitments.