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Probably the best thing is to not use a credit card to borrow money; banks frequently offer very expensive loans. So, make sure the card is 'paid off' each month - ideally set up a payment system with the bank so that the bill is paid automatically every month. It is also a good idea to monitor and limit what you buy with a credit card.

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Jaden Douglas

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Q: How can people make sure they are using credit cards responsibly?
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A responsible use of credit is paying off your credit cards each month. Another example of using credit responsibly is using it when you need it only.


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If you use the card sensibly... by paying off any purchases quickly, and don't need to increase your limit (unless the card-issuers offers it) - using credit cards properly is a great way to boost your credit score. If you use it responsibly - it shows potential creditors that you are a trust-worthy prospect.


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