1. Thou shalt promptly dispute erroneous charges on thy credit card bill by “Recorded Signed for” Royal Mail to the bank that issueth thy card, with a description of the billing iniquity, and thou shalt enclose copies of sales receipts or other supporting documents, so that thou may be satisfied.

2. Thou shalt be wary of retail store cards that may tempt thee during the holiday season, for they often carry higher interest rates, retroactive interest charges, and can smite thy credit score if thou already hast too many cards.

3. When thou shoppeth online with thy credit cards, thou shalt first ensure that thy computer is equipped with the latest anti-virus software. Likewise, thou shalt shop on trustworthy sites and beware of the sinful practice of “phishing,” which seeketh to separate thee from thy private bank account details.

4. Thou shalt know thy rights under the portion of the law known as “Section 75 of the Consumer Credit Act,” which applieth to transactions both at home and over the seas and alloweth thou to claim thy money back on goods and services that beareth afflictions that causeth their function to cease.

5. If thou abuseth thy credit card, using it to charge here and charge elsewhere until thy balance approacheth thy card limit, thou shalt cast thy card from thy sight for 30 days and 30 nights, and pay down part of thy debt before accepting thy card back into thy wallet.