Credit cards can be powerful tools when used correctly. In 2025, with rising living costs and more people relying on credit, it’s crucial to apply the SERO technique: Save, Earn, Repay, Optimize.
**Save**: Use your credit card for essential purchases only. Avoid using it for wants and focus on needs.
**Earn**: Choose a card with cashback or rewards programs that match your lifestyle (e.g., groceries, fuel, travel).
**Repay**: Always pay your full balance on time to avoid interest. Set automatic reminders or payments.
**Optimize**: Review your credit report, request credit limit increases (if you qualify), and use less than 30% of your available credit.
Using this strategy can help build a strong credit profile while avoiding debt traps.