Don't Let Credit Cards Take Over Your Life | Creative Techniques To ...

One good credit card may be a great help in cases of emergency or immediate financial needs. Do you need to purchase something, but lack the cash? No problemo! In this situation, a credit card can be beneficial. Do you need to improve your credit score? You can do it with a credit card! Keep reading for more useful ways to use a credit card.

Remember to have the necessary discipline when you are using your credit cards. Some people have a very hard time controlling their spending. If you can?t resist using your credit card all the time, don?t get a card. Opening a credit card account can put your financial future at risk if you don?t have self-discipline.

Late Fee

If you incur a late fee on your credit card, call your company and see if they are willing to take the fee off. If you typically make timely payments each month, your company may be willing to waive a late fee as a one-time courtesy for being a good customer.

Understand the laws governing credit and credit card companies. For example, companies cannot give retroactive rate hikes. Double-cycle billing is something that is also not allowed. Take the time to learn the governing credit card laws. There are two major changes that have recently been enacted pertaining to credit card laws which may have a significant impact on you, so it is wise to be aware of them.

TIP! Almost everyone?s been through it. Another annoying credit card solicitation comes in the mail, asking you to get one of the company?s cards.

Once you decide to open a credit card account, keep it open. Unless you have to, don?t change accounts. The length of your account history with an individual creditor is factored into your credit score. Another element to establishing credit is to maintain and keep you credit accounts open and active at all times.

Monitor all of your card?s transactions regularly. One could register for mobile alerts if they?re offered. This way, should any irregular activity occur, you can question it immediately. Contact your bank if you learn of activity you didn?t authorize. You may also need to contact police.

Use credit cards intelligently. Give yourself spending limits and only buy things that you know you can afford. When you use the card, you have to know when and how you are going to pay the debt down before you swipe, so that you do not carry a balance. When you carry over a balance, you are much more likely to get yourself into deeper debt.

TIP! Read the fine print if you?re thinking about a credit card with an introductory rate or a balance transfer. Have a real understanding of what will happen after the introductory phase.

If at all possible, try to get a card that has a picture of you on the front. While there might be a big fee associated with this kind of card, it can help you to avoid getting your card stolen and then them being able to use it.

Credit Cards

As it has been indicated, credit cards have a variety of uses. You can buy the things you like, and if managed properly boost up your credit in the process. Credit cards are such a great thing to have. Keep this advice in mind the next time you use your credit card

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Source: http://www.corporatefasttrack.com/cftblog/dont-let-credit-cards-take-over-your-life

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