subject: Manage Your Credit Card and Avoid Debt [print this page] Again, when you can, make sure to pay off your dues every month if you don't want to suffer the consequences of minimum repayments. This will let you avoid being charged a huge interest for the long term and incurring a huge debt over time. As early as now, assess your spending habits and start paying your balance instead of regretting later on and feeling guilty about not being able to do it at the earliest time.