Proper Use of Credit Cards Avoid Headaches Later

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Proper Use of Credit Cards Can Avoid Trouble Later

Have you been drowning in credit card debt? Have you made all kinds of efforts to pay your credit card debts? Or have you been cutting down any credit card offers you receive in the mail?

It all depends on how many credit cards you want to carry around. Even though credit card companies have scaled back their reward, credit cards are convenient. They can save you time and money. Well, we are not too sure about saving money. In the old days when check-writing was the law of the land, we had time to ponder a purchase. It would take time to write a check and mail it out. Now all it takes is one quick swipe, and you have your products. If you have had some card deals lately, you can search these sites to find out how well you have been doing. Check www.cardweb.com, www.cardratings.com, www.lowcards.com.

Any way, what can you do to avoid going into debt if you have to use a credit card.

Make sure you record the amount charged in our checking account checkbook each time you charge a purchase. Otherwise, you will not be sure how much money you have in your bank account on the due date. Some people check their online account or call the bank to find out. In these cases, some checks or charges may have not been finalized.

As much as possible, use one or two cards. Make sure you do not cancel your first card. You will need credit history. Do not cancel unused cards right away. If you keep doing that, your credit history may suffer. Just keep in your mind that credit cards have promotions just to lure you in. They have all kinds of great programs in the beginning. Once they have you on their thumbs, or get you hooked, they take the benefits away. That is why card rewards are so low these days. Reward programs existed to get you to get into the habit of using credit cards for small purchases. For example, charging your fast food purchases at Burger King and Warner Co. jewelry etc. was the idea of the companies. In reality, there was nothing in it for you, consumers. Now, remember that each time you use your card at a business, the credit card company gets a kickback from the business. It could be as much as 3% of the purchase price. So by using their cards, you are helping the credit card company make some money.

Those are some of the prices to pay to be part of this cashless society. Which one is better? Cash or plastic? $ Millions are spent on convincing us, consumers, to throw away our cash and start being cool and adopting the convenience of plastic. Who stands to benefit from this change of financial attitude? The big card companies stand to win. They have led and financed campaigns to make our old ways look uncool and make us adopt plastic or credit cards instead of cash. Lo and behold, we tend to spend more when we swipe instead of writing out the check. The companies know they will be able to make more money this way.