1. Take advantage of bonuses and rewards. Sign-up bonuses make for a quick way to earn reward points, miles, and other similar incentives. Take the time to claim what the credit card company promised you.
2. Maximize your statement cycle. It is usual for US banks to allow customers 21 days to pay the bill after the cycle closes. If you are planning to make a major purchase, you should do it in this period. This will buy you some more time to pay off your bill. Timing your purchases will help you manage your finances and budget better.
3. Pay your bill. This is the most important of all. Don’t let yourself be paying the interest charges. Pay your bills on time and you won’t need to shed extra cash than you should.