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If you owe more on your credit cards than you can actually pay back, you run the risk of damaging your credit rating. If this happens then it can make it hard to rent an apartment, finance a car, get insurance or even in some cases, get a job.

It is important that you are honest on how much money you make when you apply for credit. Some companies don’t verify income and will give you an inappropriate card for your spending habits.

Keep a highly visible note posted somewhere, reminding you of your card’s balance and your recent purchases. This way, you’ll be reminded of how much you owe and what you are spending your money on. Too often, we let credit card spending get out of control by not self-monitoring and before long, we find ourselves in hot financial water!

Always pay off the whole balance of your credit card if you possibly can. Unless you have no interest, there will be interest added to your balance unless it is paid off each month. If you pay only the minimum amount due, it will take you a longer to pay off the amount owed because of finance charges.

It is not always the best practice to use your credit card because of the airline points or perks that it offers. Sure, you might get the rewards if you use that one card for everything. However, you are more likely to get higher interest rates worth several flights.

When you see the date your credit card account is due for payment, find out if it is a suggested date or the true date. Some companies are giving out the suggested due date rather than the real due date. This could be 15 days before the actual due date. If you are dealing with a suggested due date, it can be helpful to understand what the real due date is, in case you need a little extra time to come up with the money.

Make your card payment on time each month. Credit card providers can charge large fees for late payments and can increase the interest rate on your credit card. In addition, your credit report will show the late payment and your credit score will be lowered. Think about adding auto payments to your payment plan so that you don’t have to worry about late payments later.

It is not wise to apply for a lot of credit cards. With too many cards on hand, your finances become a burden to juggle and make sense of. Also, if you have lots of unsecured credit at your disposal, you are more likely to buy things you don’t need and run up huge amounts of debt.

Credit cards often come with an interest-free period, but be wary of these. While it may be tempting, it is best to resist such offers. They can lure one into taking on unnecessary debt that will be hard to pay off when the introductory period has ended and the higher interest rates kick in.

Credit cards are a great tool if used the right way. This article’s advice will assist you in properly using your credit card, while avoiding debt and keeping an ideal credit score.

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