1. read carefully all of the content of form, agreement or anything that send to you by the credit card company.

Not only read your billing only, but also read another letter that sent for you. Because, usually they are will give you information about agreement changes that they will does in 15 days before. Unfortunately, that information often made by them with aim to makes you unrealized and not read it. For example, they use little font and gray color. It is possible if the company trapped you for not useful program such as buy credit card insurance, life insurance or another kind of insurance. 

2. Do not late pays billing

Generally, they called administrative cost and delay cost for fine. It is smart way that they did. But you will be surprise if you know that fine is cost that able to increasing your bill and of course it will effected to minimum payment. One fine is become reason for company to increase interest higher than 40 percent per year. Do you remember when in the first time, the credit card offers interest only 16 percent per year? Check your bill now before late. 

3. Do not become a revolver

The revolver is the credit card holder that defends their credit card billing with pay the minimum payment only. You can choose to be freeloader, the person who always pay whole bill every month in grace period (the period between credit card use and bill limited time). Freeloader will not trap on the situation when they pay the interest. The point is does not ever use credit card as the tool for debt, but as the payment tool without cash money.

Pay what should you pay before with credit card immediately and it means you prevented to fall down to deep debt. Because of that, we suggest to does not have the credit card more than one to prevent you twilled debt and risk to loaded interest, delay cost, over limited cost and annual expenditure more than one.

4. Do not worry to force the credit card company with the legal way

Do you feel your credit card company just like leech that feel suck blood? You can complain and force them through vary media such as publisher media, Television, Radio or internet. The competition between credit card company make they should to weak by the customer demand that ask aggressively. You can ask them to remove fine or interest reduction if you ask hardily. For example, you have reason that you are the good customer who obey and pay the credit card bill for a last year and even for 6 month only.    

5. Make comparison between credit card companies

Do not ever hold to the abroad minded. Even you often have abroad journey, it is not reason for you to be a credit card holder from abroad company that has high interest. There so many ways to go to abroad without cash money beside credit card. For example, you can choose travel check and many more. If you feel comfort as the credit card holder from abroad company, you allow applied the broad credit card and get the credit card in two day (maximal time). It will be your alternative way if you deposit your money just like you think enough and will use it when you in abroad. After you back home and think that your credit card is not necessary anymore, closed your credit card immediately. 

6. You can ask to the company to give reward routinely (once in the six month) or recommendation letter which is state that you are good customer. 

It is rarely thing when the credit card company gives recommendation letter that load notes about good payment activity voluntarily without asked first. Because, it is so useful when you have plan apply loan to bank.   

7. The most important that should you remember is do not ever heard with the credit card advertisement. They are usual use this sentences such as don’t leave home without it.

Oprah.com is Debt Diet edition suggested you to leave your credit card at home. Because it is better when bring your credit card after you have plan to shopping or do transaction. 

All you must to do is bring your cash treble than usual that you use every day. Now a day, maybe you not realize that most of people has saving in Bank with ATM card. It means that ATM card is cash in your hand because ATM spread everywhere.  

If you want to debt, you can use the loan facility that provide in Bank. Even it need long time process (usually need 14 workday). Do not ever use credit card as the best way for debt. 

At the beginning credit card is the payment device without cash. Now a day, it does not work. Because, the credit card company was deviate their aim that make credit card as the debt device. Unfortunately, it can trap people in debt whole lifetime.

Do not ever heard their advertisement that sale dream only such as for a better life, practice, comfortable and the luxurious with various things. It is right, life in the era that time become a narrow time. Efficiency often becomes the first consideration when we want to buy something. For example vehicle, if you think that if you buy the new one, will give you more comfortable and free from treatment matter that will spend your time, complicated or risk on road when you are in the important situation.   

In fact, you can buy the second hand one and you are sure that it has good condition. You can check it in your trusted workshop. All of the complicated thing can you handle with easy way and not spend lot of money. You can choose the good condition vehicle with affordable price even lowest price than the cash advance to buy the new one. You can save your money, which purposed to pay your bill to dealer before, to another necessary that more productive or for your family vacation. 

If you communicate it well you will be able to get the more time to catch up the payment.

You must tell them if you cannot do the payment before the deadline. Most creditors go to the worst case, if the payments in time and have the problem with the Office of the funds, if you want to calm down, which is that their money is safe.

Good communication can be seen on the things on your credit card in most cases, and show that you have to do for all the problems in a responsible manner and planning for a full refund of the money.

Most Credit card holders don’t understand many things in their credit card rules. This is because the credit card company made the rule and it is made to be difficult to understand. Only small part of the credit card holder who able to read the agreement issued by the credit card company. If you see the detail of it, usually the terms printed with small font and gray color behind the monthly billing.

In the agreement list inserted causal that is mention that the agreement can be changes anytime with notice 15 days before. Generally, that change related about something that has some disadvantages for the credit card holder. For example about the interest and fees (delay cost, over-limit cost and sometime called as the administrative cost). 

The interest and fees are unstable, whatever the credit card company want. Although, you always pay your credit card billing on time. However, the credit card company able or always increasing the interest rate. Especially, because of several things such as after the promotion period over, one year after you apply (they are give for 3 months only), late to pay in credit card from another company, late pay your telephone billing, electricity, card credit, home or the credit card company assume that you have much loan everywhere. This practice called the universal default clausal. It refers to standard clausal in agreement between the credit card holder and Credit Card Company.  

Apply for new lines of credit to increase your credit limits. Use this credit to pay all current credit card bills.

Pros: This will work at first. You will be able to continue spending and enjoying your new found credit lines.

Cons: It won’t take long before you run out of the ability to get new credit. Additionally, the interest charged on the debt will overtake your credit limits thereby maxing you out with no ability to pay. It’s a guaranteed losing proposition.

Note: It is smart to avoid being late by using one credit card to pay another. However, the idea of the continuous acquisition of credit to avoid debt is destructive.