How To Handle Credit Card Wisely?

How to handle credit card wisely? How to avoid debt? Many people are concerned about these questions. There are lots of articles about credit cards and wise credit card management. Financial experts keep on repeating the simple rules of proper credit card usage but still, there are much more consumers with poor credit history than those with good credit rating.
So, what are the simple rules of wise credit card management?
1. Pay all your bills on time. Try to make your payments beforehand, not on the due date.
2. Never exceed credit limit. Every time you are over your credit limit, you are charged the high penalty fee. Besides, your credit score falls dramatically.
3. Try to pay your balance in full every month. Thus, you will save on interest charges.
4. Check your credit report regularly to make sure that it contains no mistake and to prevent fraudulent actions.
Be responsible! Mind, credit cards are not plastic toys!