Having credit card debt is burdening and suffering.
If you are currently a cardholder, you are reminded to take care of your card carefully.
Utilizing it the right way will prevent you from bearing heavy financial obligations.
Here are some important reminders for your kind attention.

• First of all, you must understand the functions of credit card.
  It should not be used to make purchases that you don't need.
  No doubt you will be attracted by many interesting offers provided by the card from time to time.
  What you must do is to discard the offers.
  Keeping them away from you will assist you to gain better control on your finances.
  At the same time, you must discern between luxurious items and necessity clearly.
  Never ever purchase luxuries with your card.
  Make sure you are disciplined enough to do so.
  
• Medical bills are one of the leading causes that ruin the individual's finances.
  Many people use their cards to pay for their medical bills during emergency.
  In order to prevent these unforeseen expenses, you are encouraged to protect yourself with health coverage.
  Hence, make sure that you have your own medical insurance.
  
• Many people feel that it is more convenient and secured to bring along a card rather than cash.
  When you have high usage on it, you must ensure that you are committed to paying your bills in full every month.
  You need to keep zero balance on your card statements.
  If you keep accumulating the outstanding balances monthly, you will definitely be in big trouble soon.
  

Take the precaution steps and do the necessary prevention.
Please bear in mind that using cash on hand for any purchase is always much better than swiping a plastic card.
If you find out that your debt has become unmanageable, stop using your card immediately.