Use Your Card Responsibly

Using a credit card responsibly is crucial! To avoid debt and maintain good credit read these tips on how to properly use a credit card.

• Don’t Borrow More Than You Can Repay
  This old adage is true for credit cards; they are not to be considered supplemental income; whatever you spend, you will have to pay back.
• Payment Periods
  The allure of spending money you don’t have often can catch up with you. Be responsible and be sure to make each payment on time.
• High Interest Rates
  Typical credit cards come with high interest rates that add up quickly. Shop around for the lowest rates.
• Monthly payments
  Pay off the total bill each month to avoid high interest rates.
• Punishment for late payment
  Beware: credit cards often come equipped with crippling late payment fees. Be sure to read all the fine print, and try to make payments on time.

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