Critical thinking of what you purchase
Credit cards enable you to purchase TVs, air conditioners, washing machines etc, but before you purchase, make sure that it is affordable to pay back, not only the amount you spent but do include interest too. Sometimes, interest rate costs you more than you borrow depends on how long you pay back.
Cancel credit card if you don’t use
There are always updates on credit cards such as new colour and new designs so you might want to keep your old credit card in wallet and make a new one, meaning, you keep your unused credit card and use the new one. It will lead you to the dangerous situation because your annual fee still costs although you did not use them even once unless you cancel your credit card. So you should cancel your credit card if you do not use anymore.