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While you are unable to pay off your bank cards, then this best policy is usually to contact the charge card company. Letting it go to collections is damaging to your credit score. You will find that some companies will allow you to pay it off in smaller amounts, so long as you don't keep avoiding them. Do not use bank cards to buy items which tend to be over you can possibly afford. Take a genuine look at your budget before your purchase to protect yourself from buying something which is too expensive. You need to pay your charge card balance off monthly. Within the ideal charge card situation, they are paid back entirely in every single billing cycle and used simply as conveniences. Making use of them increases your credit ranking and paying them off immediately will help you avoid any finance fees. Make use of the freebies provided by your charge card company. Some companies have some type of cash back or points system that is linked to the card you own. 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