Before you apply for a credit card or respond to a credit card offer, here are some tips. Your credit card behavior is tracked by lenders and reported to national bureaus to create a credit history. Thats why its important for you to develop good habits with credit cards and avoid the bad ones. By using credit, they are actually committing a part of their future income to make payments on the debt. The best way to avoid credit problems is to be disciplined when using them.