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There is a lot of truth in the advice that credit cards are not a substitute for not having money. Every time you use a credit card this should be the theme replaying in your mind. And you would do good to remember the following "do's" and "dont's" as well...

Necessary Jobs:

Always plan for the purchases that you need and those that you want. You need the essentials, and you want everything else. The ability of making a distinction might help you plan wisely.

If caught up in financial difficulties, it's always good to talk to the issuer who might re-schedule your payments. If you simply default, that only helps to build up an unfavorable credit history and you might find yourself being denied credit next time.

Unless it is an emergency, staying within your credit limits will help you a great deal. If you must spend over the limit, ensure you are within the manageable levels, say within 30 percent.

Don't hesitate to talk to your issuer for a more favorable deal if you are getting inundated with unsecured credit card applications teasing you with better offers. Remember that they do wish to keep you as a customer so they will usually offer you something better.

Avoid these:

Do not use your credit card to make house hold purchases. It's expensive in the long run

Do not just pay the minimal amount. You will end up paying exorbitant interest. The quicker you clear the debt the better.

Avoid using the credit card to buy items that are not in your budget.

If you follow these guidelines, you'll be handling your credit cards in a responsible manner. And of course, this will help you avoid the negatives that sometimes haunt some people who have used credit cards.

The point is that using credit cards is not always evil and horrible. An individual needs to be positive the cards are used responsibly. Visit one of the online credit-cardguides for more help on managing credit cards and related debt.

Find articles covering every topic related to credit cards at Credit-CardGuides.com, a virtual credit card clearinghouse chockful of helpful information on choosing the credit card offers that best meet your needs, as well as links to low APR credit card apps and the most popular unsecured credit card applications .