New Delhi, Oct. 22 -- Using a credit card for miscellaneous payments is quite normal these days. Whether it's paying a bill at a restaurant, making travel bookings, joining a gym, or subscribing to video streaming services, credit cards are used by almost everyone.

But did you know that it is not recommended to use a credit card for all kinds of expenses? For example, when you want your credit utilisation to stay lower than 30%, it is not advisable to use your card. Similarly, when you have a bad habit of clearing your credit card dues after the due date, then too much reliance on credit cards is not for you.

These are some of the scenarios when credit card usage is not recommended.

I. When you are close to your credit limit: One reaso...