When using a credit card there are many ways to save on interest, avoid unnecessary fees and stay in control of your credit. Here are our top tips: Get a credit card with no monthly fees and keep more money in your pocket. Other credit card features may include a low exchange rate, low or no fees when using the card overseas, or complimentary travel insurance. Know your interest rate for making purchases and cash advances. Pay your statement in full each month to save on interest and avoid unnecessary late fees. If you’re unable to pay your balance in full each month, consider making smaller repayments on a regular basis until you’ve paid it all back. Stay below your credit limit. Use your card for needs not wants.