Express tips on managing your credit cards:
1 ) Acquire your plastic money with definite purpose.
2 ) Do not buy sales talk and promotion or small gifts.
3 ) Limit the number of credit cards you own for better management (one or two is okay).
4 ) Opt for free for life or annual fee waiver.
5 ) Spend for your needs (petrol, payment of bills) not splurge on shopping spree.
6 ) Should you have more than three cards, consider termination of unused cards and you may be charged annual fees because of NOT using it.
7 ) Always pay in full to avoid accumulated interest causing you unnecessary expenses.
8 ) Verify your monthly statement to review your expenses.
9 ) Be responsible for your expenses.
10) Use your plastic money just like your cash money.
11) Spend within your budget.
12) Do not own any if you cannot control your spending.
13) Be sure to redeem your gifts from points collected. (Bonus anyway 
