Best Credit Card Tips On Blogspot.com
Having a credit card is considered a necessity today. It is useful and convenient to use whether for personal or business purposes. Although there are known credit card frauds, the danger of carrying cash far outweighs the risks involved in credit card transactions. If used properly, credit cards offer a lot of convenience and flexibility for the consumer. On the other hand, it is the same convenience that is dragging a lot of people to make impulse purchases that buries them in deep credit card debt (
kredi kredi kartı yapi taksitlendirme). Credit cards have its privileges but its users should be aware of the responsibilities it carries with it.
Selecting The Best Credit Card

Not all credit cards are the same. Don't select a credit card company on a whim, or simply because they have a booth set. Research which one is best for your circumstances, spending habits and paying ability.
Five things to investigate for a credit card include
- the annual APR if an annual fee is assessed,
- the length of the grace period,
- the dollar amount of penalty fees,
- the balance calculation method.
- If you plan on carrying a balance, consider a card's introductory offer, but focus on finding the card with the best annual percentage rate so you minimize what you are paying out in finance charges. Click here for original article
5 Smart Balance Transfer Credit Card Tips
- Stay Away From Mysterious 0% Periods: The best balance transfer credit cards provide the same 0% period to all approved applicants. Avoid these providers who state in the fine print that the low rate period will be based on your credit score. Instead, go with a reputable firm that advertises and offers the same interest free period to everyone.
- Don't be Deterred By Balance Transfer Fees: All leading credit card companies that offer zero or low introductory rates charge a balance transfer fee. The upfront cost might seem like a lot, but is really nothing compared to the money you'll save on interest over that low interest period.
- Keep An Open Mind When Comparing Offers: Before you start comparing offers, you'll first have to be honest with yourself about the time you'll need to pay off the debt. The goal of the balance transfer is to get as much time as you can to pay off the debt before interest kicks in. Keep that in mind when you compare offers.
- Keep Your Old Accounts Open: Closing credit cards all of a sudden will negatively affect your credit scores. Keep those accounts open unless you're forced to pay a high annual fee.
- Don't Miss Payments: Miss one payment and you can say bye-bye to your zero percent interest rate. Credit card providers stipulate this in their term and conditions, and it's especially enforced on balance transfer credit cards. original source
Take Control Of Your Credit Card
If you are one of those people that does not pay off your credit card quickly i.e. each month or quarter then you really need to ask yourself the question – Am I prepared to pay 1.5 to 2 times more for this item?. If the answer is no then these tips to paying off credit card debt may help you.
Stop using your credit card – put it somewhere safe where you can no longer use it and start paying cash for everything.
- Make a plan – determine how much you can afford to pay off your credit cards each week, fortnight or month and stick to it.
- Pay off the smallest credit card. This will be the quickest way to reach your first goal of paying off a credit card.
- Pay off the card with the highest interest rate. Depending on the balance of the credit card this will reduce the interest payable and help you pay off your credit card debt sooner.
- Transfer your high interest credit card to a lower interest rate. Many lenders have promotional products for low interest rate cards where the interest rates are reduce for a fixed period e.g. 6 months at a very low interest rate, helping you get stuck into paying off the card sooner by paying less interest.
- Make your credit card repayments on time to avoid overdue fees and don’t go over your credit card limit. Fees incurred for poor management of your credit card can cost you up to $40 per month and tarnish your credit record.
- If you are struggling and feel like you need further assistance don’t be afraid to ask for help. Click here for full article
Credit Card Help
I love the first article. The credit card tips are very useful for first time applicants - they now can evaluate offers objectively with these information. I also like the third article so much. The tips are relevant especially if one is already in a dilemma on how to pay off the debt. I am in total agreement with the writer about paying dues on time to avoid additional charges that are usually exorbitant. Poor management of credit card can cost so much and also destroys your credit rating. Take control of it, not the other way around.
Kredi Kartı Taksitlendirme Borç Yapılandırma