Credit cards are wonderful financial instruments that are very helpful not only while making transactions for payments but also come across as effective tools for short-term credit. However, if not used properly, credit cards turn into the most expensive financial tool to possess. 

We wish that you make the best use of your credit card. Hence we bring to you 5 habits that highly effective credit card users have in common. By adopting these habits, you too could make the best possible use of your credit card. 

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1. Have A Budget: Credit cards, monthly finances, or a country, a budget is necessary everywhere. Take a look at your monthly expenses and make an account of which of these expenses could be footed through your credit card. 

2. Pay in Full Every Time: Credit card issuing companies make money in the form of interest and other charges when you do not pay your dues on time.

3. Never Use Cards for Cash Advances: Credit cards could also be used for withdrawing cash from any ATMs just like your debit cards. But withdrawing from credit cards would never be the same as from your credit cards.

4. Use rewards/offers to best advantage: Most credit cards come with some offers and rewards for usage at certain merchant establishments. It is good to know about these offers and make the best use of them. Accordingly choose cards that cater to your usage like co-branded cards for travel, fuel, or movie tickets and shopping.

5. Make clever use of repayment dates: Highly effective card users use up to 2 cards with varying due dates (One at the start of the month and the other sometime later). They effectively time their purchases on both cards in a way that they get maximum grace time.