Only use your
credit card in emergencies, or in instances when you don't have the money on you at the time but you know you can afford once you get paid.
Also, make sure that you have the
best credit card for your financial situation. If you only use your credit card for one off purchases the opt for one with a low annual fee and as low an annual fee as you can get on a
low annual fee credit card), otherwise get a credit card has the lowest ongoing interest rate you can find (search for
low rate credit cards) which also offers the most
interest free days available as this will help you keep up with your repayments.