1. Make sure you have enough money to pay the bill: Make sure you have enough money to pay the credit card bill before using the credit card. Credit card overdraft will lead to high interest and expenses.

2. Pay attention to the credit card limit and overdraft limit: understand the credit card limit and overdraft limit to ensure that the consumption will not exceed the available credit card limit.

3. Timely repayment: Pay in full before the due date of the credit card bill to avoid the occurrence of interest and late fees. If you can't repay in full, you should at least pay the minimum repayment amount, which will lead to the accumulation of interest.