First of all i will explain what is credit card? Credit card is a financial tool which can be used insted of using cash money . This is also sometimes reffered to as the plastic money. Credit card minimizes the load and tension for carrying money. Because now a days carrying large amount of money is not easy and its really unsafe. That is why the use of plastic money is increasing day by day.
Credit card is an essential tool it should be used effectively and should not be misused because misusing it may be harmful for you. The tips for using credit cards effectively are as follows:

1.ALWAYS:

. Use the credit card on trusted sites and sources beacuse if you are using it online it may be hacked by some hacker and if it happens, You will be in a great trouble because they mis-use them and in return u will have to pay thousands of dollars as a rebate.

. Choose the card of the company which has best reputation so that u may not face any transaction problems and extra charges.

. Give the credit card to a reliable person. Prefer the person whose name is written on credit card. If u will give the credit card to untrusted person then again u can be in problem as there is a chance of misuse of your money.
. Use the limited numbers of credit cards. One credit card is enough for a person. But, one card may be kept for the emergency use.

. pay back the credit amount as soon as possible. As u know Something is better than nothing so pay atleast the minimum amount of debt rather than paying nothing.

. Check the credit card bill because owing to Bank errors something u didnt purchased may come in ur credit card bill.

. Avoid cash transactions from the crdit cards beacuse taking cash out of credit card is highly charged all over the world. It is charged 10-20% of all credit limit.

2. If u are not using the credit card, cut it off and close its account because you may be cahrged with little taxes by the credit card company as you are in anyway keeping thier credit card with you.

The problem with most credit card users is that they spend alot, which afterwards becomes problem for them. Beacuse whatever happens, at the end of the day u will have to pay the credit card debt. To remove fear of it , limit the amount of credit u can use and while choosing the credit card always keep the factors like interest rates,taxes ,late payment charges in consideration. While using the credit card always keep in mind all above mentioned tips.