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If you have a tendency to charge your cards up to the limit, it goes without saying that you should try to recondition yourself so that you can stop using credit cards altogether or at the very least pay them off each month. If you want to make sure that you don't max out again, you can ask your credit card company to lower your credit line. You can also apply for a card where you have to pay your balance off every month, and that will help deter you from overspending.