Personal Finance Five signs that you are using credit cards the wrong way Updated : November 26, 2019 05:10 PM IST If used smartly in a disciplined manner, credit cards can provide a wide range of benefits and even bail you out of financial exigency. To make the most of the interest-free period, you should time your major credit card spends at the beginning of your billing cycle. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.