Pay the full statement balance by the due date every month
Never carry a balance from one billing cycle to the next
Make at least the minimum payment on time if you cannot pay in full
Set up autopay for at least the minimum amount
Pay before the statement closing date to reduce the reported balance
Avoid cash advances
Avoid balance transfers that charge interest after promotional periods
Keep track of due dates and billing cycles
Use the card only for purchases you can afford to pay off immediately
Check your statement for errors and unauthorized charges
Use a grace period only if your account is not carrying a balance
Do not miss payments
Keep credit utilization low
Read your card’s terms for interest rules and fees