Credit Card Consumer Guide Credit Card Application
Credit Card Basics
Choosing credit cards
Reading fine prints
Interest rates
Billing errors
Balance Transfer
 
Credit Card Offers
Low APR credit cards
Low intro rate cards
Business credit cards
Student credit cards
Reward credit cards
Airline credit cards
Secured credit cards
Unsecured credit cards
Visa credit cards
MasterCard credit cards
Apply for a credit cards
 
Your Credit Rating
Your credit rating
Good credit
Bad credit
No credit
 
Credit Card Usage
Money Saving Tips
Unauthorized Transaction
Prevent Late Payments
Credit Card Usage TIPS
 
Credit Card Debt
Credit Card Debt
Debt Reducation Strategies
Debt Consolidation
 
Consumer News
 
 


Credit Card Usage Tips

Tips to Help You Save Money

  • Ask questions. Your financial institution or retailer can help you.
  • Read the fine print make sure the entire package fits your needs.
  • Pay your balance in full every month.
  • If you must carry a balance on a credit card, making early payments between statements will save you interest charges. Remember that interest is normally charged from the date purchases are made until they are paid in full.
  • Only take Cash advances when absolutely necessary - for short-term or emergency only because interest is charged from the day you borrow until the advance is paid in full and the interest rate is higher. If you must take a cash advance, make a payment to your credit issuer as soon as possible so you won't accumulate daily interest charges.
  • Mail early Allow enough time for your payment to reach your credit card company.
  • Set up auto pay or online payments to make sure payments are received on time
  • Check your statement monthly, watching for errors or changes in rates.

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