Managing multiple credit cards can be both beneficial and tricky. On one hand, having multiple credit cards can help you maintain a healthy credit score by keeping your credit utilization low. On the other hand, it can be easy to overspend and accrue debt if you are not careful.

Here are some tips on avoiding debt while managing multiple credit cards:

Keep track of your spending: Make a budget and stick to it. Keep track of your credit card balances and due dates to avoid late fees and interest charges. Consider using a budgeting app to help you keep track of your spending.

Pay off your balances in full: If you can, try to pay off your balances in full each month. This will help you avoid interest chargesand keep your credit score healthy.

Use your credit cards strategically: Consider using one credit card for everyday expenses, such as groceries and gas, and another for larger purchases, such as travel or home repairs. This will help you keep track of your spending and avoid overspending.

Avoid cash advances Cash advances can be tempting, but they often come with high interest rates and fees. Instead, try to use your credit cards for purchases only.

Don’t apply for too many credit cards at once: Applying for too many credit cards at once can hurt your credit score and make it harder to manage your debt.

By following these tips, you can avoid debt while managing multiple credit cards. Remember to always be mindful of your spending and pay your balances in full whenever possible.