For Maryland residents with credit card debt, it is important to figure out how to avoid future debt. After all, getting out of debt does not help if you fall back into it again soon after. Today we will look at some of the ways you can keep from falling into old pitfalls. 

The Balance discusses various ways to avoid credit card debt. The first tip is some of the most common advice given, and it involves only charging what you can afford. Do not use a credit card as though you are “borrowing” money. This is an easy way to slip into serious debt. Instead, only buy what you could with cash. 

Do not miss credit card payments and always pay the full bill on time. These are two common mistakes people make. Paying the minimum balance will make your credit card debt stack up until it gets to a point you cannot pay off. Missing credit card payments results in large interest fees. This can also add to debt. 

Number your credit cards and understand the terms well. You must pay close attention to things like interest rates. Know what you are getting into when you buy things with your credit card. Having more than one card may seem like a good idea to avoid credit limits. But this can rack up debt fast, which ties back to point one. Do not spend more than you have. 

If you follow these tips, you can have healthier spending habits. This is one way to protect you from facing debt in the future.