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Credit Cards Do's And Dont's
There is a lot of truth in the advice that credit cards are not a substitute for not having money. Every time you use a credit card this should be the theme replaying in your mind. And you would do good to remember the following too.
Dos.
* Always plan for the purchases that you need and those that you want. You need the essentials, and you want everything else. The ability of making a distinction might help you plan wisely.
* If caught up in financial difficulties, its always good to talk to the issuer who might re-schedule your payments. If you simply default, that only helps to build up an unfavorable credit history and you might find yourself being denied credit next time.
* Unless it is an emergency, staying within your credit limits will help you a great deal. If you must spend over the limit, ensure you are within the manageable levels, say within 30 percent.
* And if your mails are flushed with more favorite deals than you currently are enjoying, you may approach your issuer for a better deal. They want to retain you as their customer, so they will listen.
Donts
* Do not use your credit card to make house hold purchases. Its expensive in the long run
* Do not just pay the minimal amount. You will end up paying exorbitant interest. The quicker you clear the debt the better.
* Do not use the credit card to purchase things you cant afford.
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EXPERT: Complaining About Credit Cards Just Proves You Can't Handle Them
There's a reason you're in debt.
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