5 Tips to Control Credit Card Debt & Avoid the Trap

• Credit cards can be beneficial for cash flow and credit history but can lead to debt if used carelessly.
• To avoid debt, always pay the full outstanding balance, not just the minimum due.
• Keep credit card limits lower than offered by banks to encourage spending discipline.
• Avoid converting everyday lifestyle expenses into EMIs, as this can strain future finances.
• Monitor your credit utilization and treat rewards as a bonus, not a justification for extra spending.

Why It Matters: Master credit card use to prevent debt traps and secure your financial future.