There are several things to consider in using credit cards wisely.
1. Make sure the items you buy with a credit card is you need. Do not use credit cards for purchases or expenditures of a consumptive nature.
2. Use your reasoning rather than desire, in the shop.
3. Make sure you have fresh funds to pay off your credit card bills before maturity. Remember the debt ratio should not exceed 30% of your greatest revenue.
4. Try to pay off your credit card debt before the due date to avoid additional costs or penalties.
5. Pay your credit card debt as much as possible, to less burden of interest.
6. Be selective in choosing a credit card issuing bank. Look closely the implementation of the rules. Do not be tempted by the promotion.
7. If you are currently in debt due to the use of a credit card, thenstop using it. Then pay by increments. You can contact the bank directly to negotiate payment.
Remember credit cards is not the savior god, but he can plunge you into bankruptcy as debt.
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