What is one way to avoid problems with credit cards?

Paying more than the minimum payment is an effective strategy to avoid problems with credit cards because it helps to reduce the overall balance more quickly and minimizes interest charges. When cardholders only make the minimum required payment, they can end up paying significantly more in interest over time, which prolongs the debt and can lead to accumulating financial stress. By consistently paying above the minimum, individuals can work towards paying off their debt faster, thus improving their credit utilization ratio and overall credit score.

Utilizing credit cards responsibly and making higher payments not only helps in managing debts but also establishes good financial habits, reducing the risk of falling into the cycle of debt that often comes with credit card use. This practice is aligned with maintaining a healthy financial situation and ultimately helps to avoid future issues related to credit card debt.