10 Times You Should Never Use Your Credit Card

5 min read
credit card, purchase

Here are 10 credit card tips to keep yourself out of debt while also protecting yourself from identity thieves.

10. When a URL Doesn’t Begin with “HTTPS”


HTTP stands for Hypertext Transfer Protocol. When you add the “s” at the end, it stands for Hypertext Transfer Protocol Secure. In other words, the “s” lets you know that the website you’re visiting is authentic and that the privacy and integrity of any data you exchange with them will be protected.

This is especially important when you’re transmitting personal information such as a credit card number. That being said, if the URL does not include the letter “s,” it’s best that you opt out of purchasing on that website. If the product is something that you really need or want, you can always try paying through a third-party payment system like PayPal.

9. When You Don’t Know Your Available Credit

credit card statement

You wouldn’t try to purchase with your debit card without knowing how much money you have in the bank account, right? Then, you shouldn’t purchase with your credit card without knowing the balance on that either.

Yes, most lenders have removed over-the-limit fees from their cards, but going over the limit can actually lower your credit score and make you look like a high-risk borrower. That being said, experts recommend that you spend no more than 30% of your available credit.