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You recoil from financially tactless people -- but does your own credit etiquette cause others to squirm or groan? Respect your audience -- if they aren't intimate friends, keep your money troubles out of the conversation.

Here are the worst plastic manners to recognize and refine. Speak in generalities, says Lydia Ramsey, business etiquette expert and author of "Manners that Sell." "It's one thing to make global statements, like 'Gosh, times are tough.' But you don't want to bring it to a personal level." 2.

For dating sites, it can be a little more complicated.

You can always scan through emails to see if any raise a red flag (for example, Match.com), as these websites typically send a welcome email and occasional updates.

If you truly want to pay, don't make a big show of it.