The only way to avoid purchase interest charges is to pay off any credit card debt you incur. Ideally, that means not incurring credit card debt that you will find difficult to pay back on time. You can reduce your chances of having to pay purchase interest charges through diligent budgeting and keeping close track of your credit cards’ billing cycles. Alongside financial problems, many people simply forget to pay their credit card bills on time. If you don’t want to wastefully incur purchase interest charges, set an alarm that will go off ahead of the due date.