Some of your habits in spending could be bad habits that are effecting both your credit card bill and your credit. Many of these are habits that you can change. Yahoo Finance just did a look at eleven of the most common ones, and odds are you have at least one of these bad habits.
Just like any other habits, it's not always easy to make the changes that make a difference for the outcome that you really want. Even though these are simple changes, to better habits, it will take some "pause" before you act if they are well ingrained habits.
A couple of examples, are spending just to get the bonus, or the extra that is offered. Did you really need that extra $100 worth of product to get the free gift? Might have been cheaper to just buy the reward yourself.
Or what about those trial subscriptions that you started, did you cancel them? Or are they getting paid each month and you aren't even thinking about them?
And the small print? Have you read it?
Remember how much of your credit you are using effects your credit score!
See the article titled 11 Bad Habits That Hike Up Your Credit Card Bill by Jordan Rosenfeld it's a quick read, and you may find one or two of your own habits, that it's time to change.
Link to article: https://finance.yahoo.com/news/11-bad-habits-hike-credit-150012616.html