Though in this modern age banks are hard to avoid, a big reputable name is surely a safer stake than a novel fly by night one.
Always save rather than borrow. This is a good way to avoid getting into debt in the first place. Also don't gamble more than half what you can afford. Better yet don't gaamble at all!
Avoid greed. Named brands, racing the neighbours to get the next new thing. Trying to be better than the Jones', let them bloody boast, once they've told every-one they will be more susceptible to theft and have no-one to blame but themselves!
Only buy what you really need, and always look for bargains, some reliable long lasting second hand deals can be found.
Ignore the perils of fashion it is a waste of time. Clothes are there to keep us warm, dry and ideally modest
Know the law. There are companies advertising that they can write off much debt, and take the rest interest free at a reduced payback rate. If you get this avoid spending again!
Hope this helps.