Essential Credit Card Usage Tips

• Spend wisely
• Pay in full every month or
• Pay more than minimum payments monthly, and pay twice a month
• Pay on time or better yet pay when the statement comes in
• Review your statement carefully
• Know the fees and charges
• Only have 2 or 3 cards
• Have a low limit card specifically for internet purchases
• Keep all your receipts, know what you are spending
• Transferring to a lower interest card is not paying off your bill, know when the offer ends and interest rates increase