The simplest way to avoid paying interest on your credit card is to pay off your balance in full each month. Whenever you’re thinking about buying something with your credit card, you should know when you’re realistically going to be able to pay it off. If you don’t think you’ll be able to pay it off that month, then you’ll need to prepare yourself for the interest costs tied to your credit card. If you can’t pay it off in full that month, paying off more than the minimum amount due each month is the fastest way to get back to paying no interest.
If you’ve got existing credit card debt and want to avoid paying interest on it, you could consider a 0% balance transfer card, which will transfer any debt onto another with a 0% interest rate. This could then allow you to manage your debt more effectively and pay it off sooner. Just be aware that the 0% interest rate is dependent on your application, is for a limited period and often comes with conditions that must be met to maintain that rate. Ideally, you should ensure the balance is paid before the 0% balance transfer period expires, or you’ll be paying interest again.