12. Pay on time
Numerous credit cards mean numerous bills every month. The more cards you have, the more likely it is that you will forget to make a payment on time or lose a bill. To avoid late fees, you must pay all your credit bills on time. You can do this by setting up an online payment for all your cards or putting down a monthly reminder on your phone or calendar. With the online payment gateway, you just have to login to your account and make the payments.