TIP! If an item truly costs more than you have to spend, don’t use a credit card to buy it. Big-ticket merchandise that you may have difficulties paying for should not be charged. Using bank cards wisely can help you accumulate points that can be used on incentives like vacations. It can also relieve any […]

TIP! Keep a record of your credit card purchases to avoid creating more debt than you can pay for. It can be easy to spend more on your credit card than you intended, so make the decision to keep a total on a spreadsheet or in a written record. Charge cards can be very frustrating […]

TIP! Never close out a credit card account without making sure that you know how it will affect you. Many times closing an account can lower your credit score and will show up negatively on your credit report. Let’s face the truth; today, people need advice about managing their money and preventing pitfalls due to […]

TIP! Avoid using credit cards to buy something that is more than you would ever dream of affording with cash. Big-ticket merchandise that you may have difficulties paying for should not be charged. Credit cards can be a convenient way to make purchases without carrying cash or incurring fees of debit cards. If you are […]

TIP! Do not close credit card accounts until you understand the impact it may have. Depending on the situation, closing a credit card account might leave a negative mark on your credit history, something you should avoid at all costs. Having a credit card is of great assistance in many sticky situations. Do you have […]