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so friends today I’m going to tell you seven important things that you should keep in mind when you have credit cards first don’t have these credit cards like you have pack of visiting cards or playing cards always have two three at the most of six don’t have 20 25 that is the first one second these credit cards affect your credit score what is this credit score credit score is something which determines what is your credit worthiness that is whether you are eligible for a loan if you’re eligible for a loan what is the interest that should be charged if you do not pay your credit cards on time it impacts score do you know what is the interest that credit cards charge if you don’t pay on time they charge you roughly between 40 to 45% perom so there is no reason why you should delay a credit card payment this is the third thing then fourth one you should always ensure that you use between 10 to 30% of your credit limit don’t exhaust the full limit a person who’s looking at your credit history will understand that if you’re spending between 10 to 30% this person has his finances sorted out so this is the fourth important thing