Pay the full statement balance by the due date every month
Avoid carrying any balance from month to month
Make at least the minimum payment on time if you cannot pay in full
Turn on autopay for at least the full statement balance
Track your billing cycle and payment due date
Stop using the card if you cannot pay the current balance in full
Avoid cash advances
Avoid balance transfers that have fees or promotional terms you cannot repay
Check for pending charges before paying the statement balance
Dispute billing errors quickly
Use a grace-period credit card and keep it in good standing
Read your card terms for interest-free rules and exceptions
Keep spending below what you can pay off each month