Opt For Best Fee Structure credit Card:

There are a lot of card offers that will tell you about attractive reward points and cash backs and will even entice you with a "zero annual fee" in the first year, but what they do not tell you is that there is indeed an annual fee along with the service tax component that you need to pay from the second year onwards.

It is better To Segregate Your Purchases:

The moment you realize that you are spending too much on your credit card, better reconcile for your splurging. Things like groceries, small items of daily use etc. should be bought using the debit card or cash. This also holds true for entertainment areas such as game zones for kids and cinemas or entertainment parks for the family. Now look at the rest of things that you are using your credit card regularly for.

If this comprises things like dining out ever so often, or items of luxury or even toys for the kids, it needs to be stopped right away.

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