Only use your credit cards once you have virtually no balance.
Staying on top of your budget is essential to ensure you save more than you’re spending.
Paying the required monthly minimum amount is usually set at a low percentage, or 1% to 5% of your balance, and doesn’t hurt or improve your credit score.
You should refresh your emergency fund, especially if you use some of these savings to pay off debt.
This motivational approach works for many who benefit from checking off their card debt list.