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Probably the worst mistake you can make with credit cards is using them to buy things you don't need. One good exercise is to sit down at the end of the month, go over your credit card statements and look for things you purchased that you don't really need. There's a simple fact that we all spend more using credit cards than cash. When you review your statements you might be really surprised at the number of items you bought you could have done without. We all fall victim to making purchases that at the time we think are needs but are just really impulse buys. If you are about to make a really significant purchase like a smart TV or a new refrigerator, wait 48 hours. If you still think you want the item wait another 48 hours. If after that you still believe you need the item then go buy it.