The Smart Way to Use Credit Cards Without Ruining Your Credit Score

1. Never use more than you have.
2. Always pay in full.
3. Try budgeting the money you will use in a month and put it in a safe investment option for the interest free credit period.
4. Try to maximise your rewards by using the right card at the right place.
5. Never use more than 30% of your total credit limit.
6. Keep your information consistent.