Credit cards, when used properly, will give you benefits that include the lowest credit card rates.
How is this done? By making sure that whatever purchases made on credit is fully paid before the due date indicated on your regular billing statement.
Although you purchased items on credit, if you pay for them fully before they become due, then you will not be considered a creditor, and card companies will not charge any interest on the items that you buy.
This is how credit or bank cards should be used - as a replacement for carrying actual cash in your person, and pay for them every month before these items become due.
If you use your card this way, then you are using it as a highly convenient tool, streamlining your payments and preventing you from becoming a target for pickpockets and thieves.
How about us who have difficulty making our budget let alone paying for credit card bills? The first thing that we should do is to pay as much as we can so that the balance on our card becomes smaller, and through this way, get smaller interest rates.
Try to pay as much as we can and at the earliest date possible.
We should also stop making unplanned purchases because these types of expenses are the main reason why our credit card bills balloon so fast.
It really is a matter of discipline and remembering that we should have cash behind every credit card purchase or else we do not buy anything at all.