Credit cards are useful because they allow people to purchase items without having to pay for them right away. Keep on reading or useful tips about credit cards.
Check the fine print. If there are offers that allow you to be pre-approved for a card or if the person is saying you can be helped to get a card, get all of the details beforehand. It's very important to know what your interest rates and will be in the future. You must also learn about grace periods and any fees that may be applied.
There's a good chance that a balance transfer credit card will help you if you carry credit card debt. Use a balance transfer card to consolidate debt from your high interest credit cards onto a single low or zero interest credit card. Financial providers offer 0% introductory rates for as much as one year, so you can take advantage of these offers to pay off a sizable chunk of debt.
In your search for a balance transfer credit card, you need to keep in mind that they're not all created equal. To benefit from them, you first have to find the right card and use it the right way when you're approved. Some companies offer some amazing introductory offers that will not only bring you a little closer to debt free, but also give you some additional rewards for signing on. Here are some tips for smart use of balance transfer offers.
http://hrcenci.blogspot.com/2012/10/5-smart-balance-transfer-credit-card.html
The next question will arise, how do i clock 3k in a month? i dont spend that much. :) you can always look for me to help clock that amount. if you not comfortable with that (boooo~), you can always pay your telco and ezlink cards in advance. personally i have 3 ezlink cards which are linked to my UOB ONE card and i rotate them when i have already hit my requirement for that month.
http://richrek.blogspot.com/2013/04/manhattan-credit-card-tips-20130416.html
Keep your 'limit' though (this will stop you using the card for anything but emergency purchases), and you will want to pay off the card in full every single month so that interest does not accumulate. There is no sense just paying off the 'minimum amount' as to be perfectly honest, you will never pay the credit card back at that rate!
Try to avoid paying late on your credit card, not only can this lead to high 'fines', but it will also lead to bad notches on your credit report. Keep doing this, and you are going to ruin your credit score for a long time to come.
http://the-listening-tree.blogspot.com/2012/08/top-tips-for-safe-credit-card-usage.html
Request an interest if you have a late or missed payment. Credit card companies have the right to raise your interest rate and charge fees if you make payments late. You could usually are able to get these charges reduced if you contact the company that issued your credit card provider.
Credit cards may be useful, if they're used properly. The advice given here should enable you to buy things with your card, but still avoid debt and keep good credit.
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