New Credit Card Users: Avoid Debt! 5 Crucial Tips for Smart Spending

• Choose the right credit card based on your spending habits (travel, shopping) to maximize benefits.
• Utilize reward points and offers properly; don't let them expire and use them strategically.
• Maintain your credit score by not exceeding 30% of your total credit limit.
• Always pay your full credit card bill on time to avoid high interest charges and strengthen your credit history.
• Carefully review EMI terms and conditions, including interest rates, before converting purchases.

Why It Matters: New credit card users must follow 5 key tips for smart usage to avoid debt and maximize benefits.