Set a budget when it comes to your credit cards. You should have a budget for your income, so include your credit in your budget. You do not want to think of your credit card as extra money. Have a certain amount set aside that you are willing to spend on your card each month. Stick to that, and pay it off each month.

The credit card that you use to make purchases is very important and you should try to use one that has a very small limit. This is good because it will limit the amount of funds that a thief will have access to. Try your best to stay within 30 percent of the credit limit that is set on your card. Part of your credit score is made up of assessing the amount of debt that you have. By staying far under your limit you will help your rating and make sure it does not start to dip. Be safe when giving out your credit card information. If you like to order things online with it, then you have to be sure the website is secure. If you notice charges that you didn’t make, call the customer service number for the credit card company. They can help deactivate your card and make it unusable, until they mail you a new one with a new account number.