Efficient way to use credit card

1. The use must keep thinking of the level of importance. That is, use a credit card just for shopping which is really important and urgent.
2. Do not easement shopping, but noticed limit or credit limit of your card. When the usage exceeds the maximum limit of loans, then you will be charged a penalty.
3. Notice the due date. Pay on time or before the due date. If not, you will be fined double the interest.
4. Get used to paying all the bills at once, unless you really had considering benefit of the installment payment of bills every month.
5. Try not to use credit cards before the bill that past settled. If not, then the burden of payment in the future will increase
6. To reduce the temptations of excessive credit use, you should not store credit card in your wallet