--- title: Using a Credit Card to your Advantage description: How to choose a credit card that will suit you the best, and how to use your credit cards to your advantage image: https://www.beyonddebt.com.au/hubfs/bank-banking-blue-50987.jpg --- ![Top bar image](https://www.beyonddebt.com.au/hubfs/Assets%202019/Top%20bar%20image.jpg "Top bar image") ###### ![](https://www.beyonddebt.com.au/hubfs/Assets%202019/Tv.svg)Did you see us on TV? - [Click Here](https://www.beyonddebt.com.au/debt-help) ![Close](https://www.beyonddebt.com.au/hubfs/Assets%202019/Close.svg "Close") [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20black.png?width=560&height=128&name=Beyond%20Debt%20black.png "Logo")](https://www.beyonddebt.com.au) [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20white.png?width=560&height=128&name=Beyond%20Debt%20white.png "Logo")](https://www.beyonddebt.com.au) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)**1300 284 091**](tel:1300%20284%20091) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) [![Free Consultation](https://no-cache.hubspot.com/cta/default/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a) #### [1300 284 091](tel:1300%20284%20091) - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) [## How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner) ](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) [Read Article](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### [Personal Finance Basics](https://www.beyonddebt.com.au/blog/topic/personal-finance-basics) - ###### [Everyday Expenses](https://www.beyonddebt.com.au/blog/topic/everyday-expenses) - ###### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) # [Using a Credit Card to your Advantage](https://www.beyonddebt.com.au/blog/using-a-credit-card-to-your-advantage) - ###### Kristin Perissinotto - ###### 05 Feb 2019 ###### LATEST ARTICLES - Personal Finance Basics - Everyday Expenses - Handle Money [Back to blog](https://www.beyonddebt.com.au/blog) - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fusing-a-credit-card-to-your-advantage) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fusing-a-credit-card-to-your-advantage) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.beyonddebt.com.au/blog/using-a-credit-card-to-your-advantage) A credit card might seem like a scary thing, and many people will have no reason to need one, but if you do sign up, make sure you use your credit card to your full advantage. ![credit card purchases](https://www.beyonddebt.com.au/hs-fs/hubfs/black-friday-buy-computer-34577.jpg?width=450&name=black-friday-buy-computer-34577.jpg) ## Pay your Bill in Full Every Month This might seem like an advantage to your bank rather than you, but paying in full every time will actually benefit you greatly. Paying in full monthly means you will be improving your credit score each month, and debt won’t get out of hand. You will also avoid late fees, meaning you can avoid paying more on to your bill! ## Watch your Account One of the reasons we tend to overspend with a credit card is because we don’t see any money going in and out. By keeping tabs on every credit and debit you make, you are less likely to overspend on things you don’t need. ![credit card account](https://www.beyonddebt.com.au/hs-fs/hubfs/access-business-card-1308747.jpg?width=450&name=access-business-card-1308747.jpg) ## Use your Credit Card Sparingly Credit card debt can get out of hand very quickly. To avoid this, it is best to put a few rules in place for yourself. One way to do this is to only use your credit card for large purchases, and stick to debit cards or cash for smaller purchases such as grocery shopping and petrol. ## Use the Rewards Find out any and every reward and perk your credit card comes with, and use as many as you can. Your bank might have an affiliation with a specific hotel chain or airline - if so, be sure to use them whenever you travel. Look into insurance options through your credit card and check if you can get a deal. ![credit card debt](https://www.beyonddebt.com.au/hs-fs/hubfs/bank-banking-blue-50987.jpg?width=450&name=bank-banking-blue-50987.jpg) ## Avoid Creating More Debt Lots of people have used a credit card to get out of other debt, whether that be fines, bills, or a mortgage. It is never smart to try to pay off debt by getting into more, albeit different, debt. It may be appealing to max out your credit card to get out of some debt, but in the long run, you will only end up in more debt. ###### Ready to become debt free? #### Take the first step to a debt free future [Ready to become debt free?](https://info.beyonddebt.com.au/request-a-consultation) ### You might find these interesting - ##### [Personal Finance Basics](https://www.beyonddebt.com.au/blog/topic/personal-finance-basics) ## [The Worst Degrees to Study](https://www.beyonddebt.com.au/blog/the-worst-degrees-to-study) - ###### Ben Paris - ###### 06 Jul 2022 - ##### [Personal Finance Basics](https://www.beyonddebt.com.au/blog/topic/personal-finance-basics) ## [Couple’s Money – How to Budget Together](https://www.beyonddebt.com.au/blog/couples-money-how-to-budget-together) - ###### Ben Paris - ###### 06 Jul 2022 - ##### [Personal Finance Basics](https://www.beyonddebt.com.au/blog/topic/personal-finance-basics) ## [The 10 Cheapest Places to live in Australia](https://www.beyonddebt.com.au/blog/the-10-cheapest-places-to-live-in-australia) - ###### Ben Paris - ###### 01 Jun 2022 - [Personal Finance Basics (126)](https://www.beyonddebt.com.au/blog/tag/personal-finance-basics) - [Handle Money (100)](https://www.beyonddebt.com.au/blog/tag/handle-money) - [Everyday Expenses (61)](https://www.beyonddebt.com.au/blog/tag/everyday-expenses) - [Affordable Living (50)](https://www.beyonddebt.com.au/blog/tag/affordable-living) - [Build Savings (33)](https://www.beyonddebt.com.au/blog/tag/build-savings) ## Ready to become debt free? #### Speak with one of our specialists to start your future [![About Beyond Debt](https://no-cache.hubspot.com/cta/default/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2) [![Get Help](https://no-cache.hubspot.com/cta/default/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) - ![Family-Owned-transparent-300x158](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Family-Owned-transparent-300x158.png?width=115&name=Family-Owned-transparent-300x158.png) - ![pipa_logo_transparent_300w_100h](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/pipa_logo_transparent_300w_100h.png?width=151&name=pipa_logo_transparent_300w_100h.png) - ![Feefo](https://www.beyonddebt.com.au/hs-fs/hubfs/Feefo.png?width=115&name=Feefo.png) ##### Debt Help ##### Company ##### Resources Beyond Debt is a trading name of DCS Group Aust Pty Ltd. 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