Ask yourself am I using this credit card for convenience or necessity? Consider using EFTPOS where possible (withdraw additional cash at the same time to save on ATM fees)
Pay off your card balances each month
Look for competitive credit card interest rates
Keep a record of any telephone or Internet credit card transactions and keep receipts until the statement comes in
Be aware of your credit limit, consider a personal loan if you are carrying a balance regularly
Don't:
Be tempted to sign up for a card purely on the basis of the loyalty or rewards scheme
Use your credit card if your balance is looking a bit overweight
Be tempted to increase your credit limit and thus continue to build greater debts
Make too many cash withdrawals from a credit card as charges may be higher for these direct transactions