Credit Card Tips

  • 01

    Think Before Charging

    Perhaps the most important tip in credit card use is thinking before you show the plastic or charge anything on it by phone. It is simple to consider two things before charging anything on your credit card. One is do you really need this item and two can you pay more than just the principle when your bill comes in the mail?

  • 02

    Consider the Interest

    If you must use your credit card for essentials, look closely at the rate of interest that will be charged for that purchase. The interest over one month can be too big to handle after a year of not satisfying the debt completely. Look at the checks the credit card sends you to bait you into using them. The interest is high and the benefit might not be worth using those handy checks.

  • 03

    Number of Credit Cards

    It is truly only necessary to have at the very most three credit cards. Consider the benefits of only this number of credit cards. If you have as many credit cards as you have number of places to shop, you will be tempted to use the one for that store when shopping. The balance can mount up with all of them before you can pay them.

  • 04

    Dangers Attacking Your Credit Report

    When you investigate your credit standing the report will penalize you for the number of credit cards you own. Whether you use them or not the available credit allowable will go against you if you apply for a loan. There are many area many credit cards can actually harm your credit rating, so minimize your number of credit cards and the allowable money you can charge on them too.

  • 05

    Pay Yourself

    The many pit falls of several credit cards has been told. The idea of realizing the interest on these credit cards has been mentioned too. If you pay off your balance each and every month, it will be like you are paying yourself the interest instead of giving that to the credit card company.







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