A substantial portion of the population today prefers digital payments over any other option. And among the top choices are credit cards. However, digital payments make it all the more important to be careful. A lot of things can slip through the cracks when people do not pay attention to their card usage and spending habits. It is important to break these habits before the credit card bills pile up.

Making partial payments
Many credit card users have the habit of making partial payments when their bills are generated. Although this is perfectly acceptable with the credit card issuer, the practice can impact the user’s credit score. The interest also adds to the total amount payable during the next cycle. If not paid in full, some credit card bills can take years to clear.

Foregoing statement checks
It is important that users check their credit card bills regularly. A thorough inspection can guarantee that there are no additional or unnecessary costs. People who do not habitually check their bills might end up paying for expenses that were not made in the first place. It can cause discrepancies and fraudulent activities to go undetected.

Paying late
Making late credit card payments is another habit that benefits no one. It causes the user to pay late payment fines and deal with the increased interest rates. Those who forget to pay their bills should set reminders or automate their credit card payments. Doing so will prevent users from falling into the category of people with a bad credit score and help maintain the one they have worked so hard toward.

Taking advances
There are times when one might run out of liquid cash. However, making a habit out of it can cost a person gravely. Banks and other financial institutions levy heavy charges on cash withdrawals via credit cards. An advance cash fee is also levied upon such transactions. This fee adds up to the billing cycle, so users are left with higher repayment amounts. Instead of making cash withdrawals with the card, it is better to have some emergency cash on hand. One should use this cash only when they run out of liquid money.

Ignoring the terms
Not reading the terms is a common habit with credit card users. Things can turn out badly if people are not aware of the terms of usage, interest levied, and other rules of the card. When applying for the card, it is crucial to check basic details, like the annual card charges, interest rate, and other terms applicable. Missing these can be a big mistake when the user is left with a bill beyond the budget they had set aside for card payments.

Maxing out the card limit
Despite being advised against it, people have the habit of maxing out their credit cards. This impacts their credit score and makes it harder to pay off the debt in the future. The added burden can take a toll on the person’s budget and stress them out during the following payment cycles.