Credit Card Safety: Habits to Prevent Debt & Fraud

• Manage your credit card by understanding personal spending limits and keeping utilization below 30% to protect your credit score.
• Regularly review your full credit card statements to detect small, unauthorized charges or forgotten subscriptions, which can be early signs of fraud.
• Enable auto-debit for the total amount due to avoid missed payments and accumulating interest, but also manually check your card app for unusual activity.
• Protect your card data by never sharing OTPs, avoiding saving details on all shopping sites, and using mobile data instead of public Wi-Fi for payments.
• Plan repayments for large purchases and avoid carrying a balance, as credit card interest can grow rapidly and disrupt your budget.

Why It Matters: Your financial safety with credit cards depends on consistent, careful habits.