To steer clear of credit card disaster, it’s essential to monitor your spending habits diligently. Establishing a monthly budget can help you stay within your means and prevent overspending, which often leads to accumulating debt. Additionally, paying off the balance in full each month not only saves on interest but also boosts your credit score. Furthermore, setting up alerts for due dates ensures you never miss a payment, thereby avoiding late fees and potential damage to your credit history. By adopting these proactive strategies, you can maintain financial stability while enjoying the benefits of credit cards responsibly.