14. Pay more than the minimum payment due.
Even if you cannot pay your bill in full each month, you’ll benefit from paying as much as you can, especially if it’s more than the minimum payment. Over time your interest rate will go down—which means more money to spend and enjoy on things you want, not the fees you hate—and you’ll be able to pay off your debt sooner.

15. Be sure to watch for changes in your terms and conditions.
Always stay on top of your credit card agreement so that you are fully aware of changes to the terms. No one wants to be penalized for a mistake they didn’t realize they were making. Get educated about how your credit card can work for you and then make smart decisions about your spending based on the rules and policies.