1. You should choose your credit card carefully. Credit card companies are always looking for new users, but you should choose a provider after comparing the services provided by various companies. 2. Your sentence is wrong, so I guess you should remember to pay off your credit card every month unless you pay an annual fee. 3. Theoretically, even if you adjust your balance of payments two or three months before paying off your credit card, you will find your financial overruns and so on.