7. Using Your Credit Card Right

Credit cards are finicky entities and handling them requires deftness. If you are debt-ridden, you will have to handle your credit cards extra carefully. The very first thing is to get rid of all the ones which convert you into a mindless spendthrift being. You must, however, retain the ones which have a good credit history. You should also separate your cards based on personal and professional expenses. But if all your credit cards have been over-used, you will have to temporarily stop using all of them to prevent further debt.