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the best of your card credit card usage credit card security your credit score submit kyc documents use your credit card wisely credit cards come with legal contracts . hence it is important that you are aware of their terms and conditions when you sign up for them . explore features and learn about t & cs please read your credit card application carefully to know about your card s features and associated terms and conditions . the information mentioned in small prints may have big impacts on your fees charges and usage conditions . while some t & cs are similar on all cards there are many others that may be particular to the ones you are applying for so we recommend that you go through all of them . understand liabilities if your card has multiple users know about the liabilities shared by secondary users . also if you have applied for add on cards understand the added responsibilities that come with them such as who will manage the cards pay bills and debts etc. read more know how to cancel your credit card knowing how to cancel your card is as important as knowing how to use it . when you decide to close a credit card make sure all payments have been made and there are no pending dues . avoid closing cards that still have outstanding balance to be cleared or those that make a significant amount of your credit history . cancelling such cards impact your credit score . learn about cash advances credit cards give you the freedom of taking cash advances . but avail this service only at the time of emergency because cash advances are levied with charges which you start paying from the day you have taken the advance . there is no grace period on cash advances from a credit card . exploring lower rate of interest options for payments in case of unexpected expenses it is better to talk to your credit card company and explore different options that you can take advantage of such as availing low interest credit options . this way you can save on the amount you repay . tips for secure card usage credit cards give you a lot of power and if you follow some crucial mantras about their usage you can harness them well . ensure the safety of your credit card pin number and security code by all means . whenever you travel abroad stay informed about the benefits you can avail in case of card loss or theft such card insurance plans & emergency card replacement services . check your credit card statements carefully for any suspicious transaction . try to retain the bills of all important and big transactions till you have paid your credit card dues . if you ever notice any unsolicited transaction immediately report the same . read more avail credit cards from institutions that follow national & international standards for secure transactions do not hand over your credit card to people whom you do not know . when you shop make sure you have collected your card at the end of the transaction . also before signing the charge slip check the amount printed on it . keep your credit card cvv and helpline numbers saved with you separately and in case of card loss or theft immediately inform your card issuer and get the card blocked . always log in into your credit card account from a secure computer that is malware free . make a strong password for the online account of your credit card and do not share your password with anyone . refrain from responding to correspondences that asks for your credit card or password details . banks or your card issuer will never ask for this information from you . whenever you get such mails calls sms etc. bring them to the notice of your card issuer . click here for a detailed account on dos and don ts related to the safety of your credit cards . know about your credit score credit score is an important factor which most institutions consider while approving your credit cards or loans . know how you can maintain a good credit score . credit score is a numerical expression that establishes your credibility as a borrower 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