Getting a credit card is not about how much you make or how big you bank account is. Preventing credit card debt is all about self control. It is all about properly managing your expenses and keeping up with your payments.
The first thing you need to do is set a budget and stick to it. If you can only afford to spend $2000 on credit, then by all means, follow your own rules. Do not charge a plasma TV if the price exceeds your presupposed financial plan. This type of debt happens because you purchase things you cannot afford in the place.
Charge card balances snowball into huge amounts if you fail to keep up with them. It is very important that you pay your bills on time and avoid compounding your bills and interests. Procrastination also leads to huge debt which can be overwhelming if you fail to pay for at least three months.
Do not be fooled by “easy rates” offered by charge card issuers for their balance transfer services. Most of the time, these teasers are just devices to hook in potential cardholders. And once you bite to their bait, they will change their rates from easy to hellish without you noticing. One missed payment and you’ll be surprised you owe them a lot.
With all that said, preventing credit card debt from amassing is only doable if you can control yourself. If you stick to your plan and make only the necessary purchases, then there will be no need for you to seek debt assistance services.