These days, we have put technology to so much good use. It can make life easy and also save us from a lot of problems, especially when it comes to keeping our finances in order. And as we all know, credit cards pose some of the biggest financial problems for us all. In this article, we take a look at some tips and apps to avoid credit card debt.

1. Prism
This is the perfect app for those simply looking to stay on top of their credit card bills. As we all know, missing a single bill can land one in a lot of trouble. All you have to do is download the Prism app and create an account. Then upload all the information about your cards that the app asks for. The app will then help you by making your very own calendar for you to keep track of what you owe to each card and when. This app is available on Google Play and the App Store.

2. AwardWallet
If you are someone who loves making the most of their reward points, then this app is perfect for you. AwardWallet helps you view and keep track of all your credit card rewards. What’s more, the app even tells you when your rewards will expire so that you do not miss out on using them on time. You can often use reward points to pay off your due amounts on your credit card or as cashback so this is a great way to reduce your debt. This app is available on Google Play and the App Store.

3. Debt Payoff Assistant
The final app to make it to this list, Debt Payoff Assistant is a great pick. It uses the snowball method of debt reduction to help you manage your debt. However, if you are not a fan of the snowball method, the app also lets you choose a customized plan to pay back your credit cards. You can update all your existing balances and payments as they change on your cards. This is a fabulous app that will assist you in lowering your debt in no time at all. This app is only available for download on the App Store.

Apart from the apps mentioned above for avoiding credit card debt, these tips will be quite handy while you use them.

1. Always pay more than the minimum due to stay on top of your payments always.

2. Always opt in for a good credit card that offers you an excellent reward point system, so you can enjoy many benefits on the next purchases.

3. The free version of these apps have advertisements that may be quite annoying. You can always opt to buy the paid version. Debt Payoff Assistant costs around 99 cents.

So, these were some of the tips and apps to avoid credit card debt! We hope they enable you to make a smart financial decision in the future.