The very best way to use credit cards are to try and pay off your balance on time and in full, before you accrue interest. This isn’t always possible, but if you can pay off as much as you reasonably can on the amount you've borrowed, as regularly as you can, you will be on your way to using your credit card in the best possible way. Many customers also set up Direct Debits for payments, this way you are at least making the minimum payment.