Usually one has to be very discrete with the choice of a credit card. He should also be careful that the payments are made on time. Also one should very carefully go through the bill to see if any extra expense for which he is not responsible is thrust in.

Even if your debt through credit card usage is nil, there are banks which thrust some amount particularly without the knowledge of the credit card user. If such a thing happens you need to make a complaint with the concerned bank.

Moreover timely payment of bills is always the safest one. Otherwise you will see charges shooting up for products you have bought at a lower cost.

Generally the choice of a credit card, which comes along with gift coupons, is a good choice. Such credit cards will help you avail gifts which might be of great use to you. Also there are cards which pay back your expenses.