Do not treat your cc credit limit as "extra" money that you can just spend whenever you want.
If we handle our finances well, use of credit card can be to our advantage (e.g. we earn points, rebates, we get perks, discounts, etc). Basta, we pay in full pagdating ng due date. Kumbaga, mag-swipe ka para medyo ma-delay ang paglabas mo ng cash, pero dapat me nakalaan ka na pambayad para dun sa sinwipe mo. That way, wala ka babayarang finance charges, no late payment fees, etc. But you still earn points, rebates, etc.
If you really can't pay in full sa due date, always pay as much as you can and not just the "minimum payment due". And as soon as you have the pambayad, pay it off immediately to avoid patong-patong na finance charges. Don't wait for the next due date.
If you have money in savings account, it's actually wiser to just use that money in your account to pay off your cc debt. Why? Kasi mas malaki ang interest na babayaran mo sa cc utang mo, kesa sa kikitain ng savings account sa bank. Settle your debt, then once you've paid off your cc debt, start rebuilding your savings again. Ganito ginawa ko when I was deliquent with my cc payments many years ago. Lesson learned yun for me, pinagamit ko kasi sa friend ko yung credit limit ko. E di sya nakabayad agad, ako ang naipit kasi ako ang cardholder.
IMO, we should be responsible enough to pay off our debts. Hindi lang dahil makaapekto yan sa credit rating (for future loan applications, etc), but also because it's the right thing to do. After all, in-enjoy naman natin yung shopping/dineout/etc when we used the cc. So we should face the consequences. Wag pagtaguan ang utang. Kahit onti-ontiin, basta bayaran.
