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You should contact your creditor, if you know that you will not be able to pay your monthly bill on time. Many people do not let their credit card company know and end up paying very large fees. Some creditors will work with you, if you let them know the situation ahead of time and they may even end up waiving any late fees. Set yourself a spending limit on your credit cards. You should already be budgeting your income, so just include your credit cards in your existing budget. It is important not to think a credit card is