|
|
Personal
Credit Cards. Apply for credit cards
- Tips
for getting and using personal credit cards
- Shop around for
the plan that best fits your needs. A credit
card should work for your needs not the other
way around.
- Get a credit
card as soon as you are old enough to get one.
This will help to build your credit history.
- Make sure you
understand a plan's terms before you accept
the card.
continued below...
|
- Read the fine
prints to make sure there's no extra charges
or hidden fees.
- Don't apply for
lots of credit cards all at once as it might
affect your credit score.
- Cancel a credit
card if it ever becomes useless.
- Budget yourself
on how much you are spending with the credit
cards. You don't want to be paying interest
rates at all.
- Don't be late on
credit card payments. This will affect your
credit score.
- Get only the
credit cards that you will actually use. More
credit cards doesn't mean better credit score.
Having too many credit cards will affect your
credit score in a negative way.
- Hold on to
receipts to reconcile charges when your bill
arrives.
- Protect your
cards and account numbers to prevent
unauthorized use. Draw a line through blank
spaces on charge slips so the amount can't be
changed. Tear up carbons.
- Keep a record -
in a safe place separate from your cards - of
your account numbers, expiration dates and the
phone numbers of each issuer to report a loss
quickly.
- Carry only the
cards you think you'll use.
- You can set the
billing date, due date for each month to a day
that best suits you.
|
|
|
|
|
|
|
|
|
|
