To prevent a credit card catastrophe, individuals must cultivate a keen awareness of their spending habits. Regularly reviewing statements can unveil unanticipated charges or subscriptions that drain finances. Establishing a budget reinforces discipline, setting clear limits on discretionary spending. Additionally, utilizing alerts for due dates ensures timely payments, avoiding costly late fees and potential interest rate hikes. It’s also wise to maintain an emergency fund, providing a financial buffer against unforeseen expenses. By adopting these proactive strategies, one can navigate the complexities of credit responsibly and avert potential crises that could jeopardize financial stability.