Remember, credit card debt can help or hurt your credit report, especially if you are not keeping on top of your payments!. Obviously, you need to be making at least your minimum payments on time.

The second important thing is to not 'max out' your credit cards. You should always have available credit because then you are sending a more responsible signal to the credit reporting agency.

The best ways to manage credit card debt in terms of your credit score is to either maintain some available credit, or pay your debt off entirely and on time.

Try to minimise the amount you spend on your credit cards and pay off the debt as quickly as you can. Credit cards are a great tool as an accepted means of payments but do not use them for anything you can't really afford otherwise you will spiral into a debt you will find difficult to get on top of.

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