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2 mins Read | 2 Years Ago

How to Use Credit Card Smartly: 6 Useful Tips

How to Use Your Credit Card, Smartly with the Help of These 6 Useful Tips


A Credit Card can be a handy little tool, if used smartly and with caution. During times of financial crunch, if you’re in need of urgent funds, you can use your Credit Card to make your purchase or pay expenses and then pay your dues through the monthly Credit Card repayment schedule.

Let us look at 6 excellent tips on how to use a credit card that can help you get the most out of your card and ensure that it remains a beneficial tool rather than a burden.

How to Use A Credit Card in India

1) Exercise caution when using your Credit Card

Having a Credit Card can give you a false sense of security, which may inadvertently lead you to increase your Credit Card usage and expenditure. So, it becomes important to keep a track of your Credit Card expenditure, if you want to avoid falling into a debt trap that will be difficult to get out of.

To keep an eye on your card usage, maintain a diary or a list of expenses, whenever you use your Credit Card.

2) Set an appropriate Credit Limit

Your Credit Card limit is the maximum amount that can be spent using your Credit Card. Credit Card providers set a limit on your Credit Card based on your usage and credit scores. However, you can also request to set a suitable Credit Card limit by approaching your card provider. Set a limit that stops you from overspending, while at the same time doesn’t restrict you too much from using your Credit Card.

Ideally, one must aim to spend no more than 30% of the credit limit, to ensure a good credit score.

3) Review your Credit Card statements

Your Credit Card statement is an excellent tool that can help you get a detailed snapshot of your Credit Card usage. Keep going back to your statement to look at your transaction history and find out where you can curb your spending. It is also a good idea to tally your transactions against an expense log of your own, so that no expense falls below your radar.

4) Use cashback rewards and offers

One of the advantages of a Credit Card is the variety of offers available on it. Reward points, cashback and vouchers are some of the offers that can be availed, when using Credit Cards. This helps you save over the long run and reduces your overall spending.

5) Pay your Credit Card bills regularly and on time

One of the smartest things you can do as a Credit Card user is pay your Credit Card bills, regularly and before your due date. Also, make it a habit to pay the entire outstanding amount and not just the minimum amount due. This will not only improve your credit score but paying in the credit-free period will reduce your interest paid.

6) Get easy loans

If you’re in urgent need of some funds, you can use your Credit Card to apply for a quick, unsecured loan. The amount of money you can borrow depends on your Credit Card limit and card provider.

Another common query that Credit Card users have is how to get cash from Credit Cards. If you don’t want to avail a proper loan, you can also withdraw some quick cash using your Credit Card, at an ATM. However, there is a limit to such a withdrawal, and you may also attract withdrawal charges.


Thus, a Credit Card, if used wisely, can be an excellent financial instrument and help you in your day-to-day expenses. With reward points, cashback facilities and offers, it may offer better benefits than your regular Debit Card. Therefore, avail a Credit Card, today and make sure you use it smartly using the tips given above.


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