To decide how
wealthy you want to be, you should evaluate your lifestyle first and see if you can control yourself to the wealthier path. There are various ways you can overspend. Sometimes you think that you need to spend, sometimes you just want it that way. And that behavior could become a bad and dangerous habit for you.
The ideal way is to pay off the credit card in full each month, and for sure not to hold a balance more than three months. Just to make sure that you're not surprise to see the credit card bill.
To control your spending, try asking yourself whenever you want to buy a product, "Do I really need this or this is just a luxury?" and "Is it worth it?". Don't follow your impulse buying and later you will ended up have some savings in your bank account.