5 Tips for Managing Credit Cards

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5 Tips for Managing Credit Cards
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• In the paragraphs below, we have listed and
  discussed excellent tips you can use to manage
  your online store credit cards guaranteed
  approval in the most effective way possible.

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Always pay your balance in full.

• To avoid making huge payments on interest, we
  suggest that you pay your credit card bills
  completely. Although it might be tempting to pay
  just the minimal amount required by your card
  issuer, always remember that doing so will only
  cause your interest charges to balloon out. And
  in time, such habit might make it more difficult
  for you to completely retire your credit card
  debt.
• So, as much as you can, pay your credit card
  bills in full, each month.

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Be mindful of your due dates.

• One of the main reasons why cardholders make
  huge credit card payments is because they usually
  forget to pay their bills on time. Keep in mind
  that payment delinquency can cost you a great
  deal of money, usually in the form of late
  payment penalties and surcharges.
• This means that if you wish to keep your credit
  card bills at a minimum, you should not only try
  to charge small purchases and bills on your card
  account. You should also do your utmost to keep
  up with your due dates.

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Dont max out your credit card.

• After all, spending beyond your credit limit will
  not only cause you to incur huge overdraft
  charges. Such habit can also cause your
  debt-to-limit ratio to rise, which in turn will
  pull down your credit score.
• So, you must resolve to use just a reasonable
  percentage say, 25 - 30 - of your credit
  limit. By doing so, you can successfully build
  and maintain a good credit standing.

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Pay close attention to your billing statements as
well as to your annual credit report.

• That way, you can easily detect if an
  unauthorized party has gained illegal access to
  your credit card information and is using it for
  his/her personal gain. Always remember that
  fraudulent transactions will not only inflict
  severe damage to your credit history. They may
  also drive away prospective lenders and card
  issuers, especially if you find it necessary to
  apply for additional lines of credit.
• So, find time to examine the documents that will
  be issued to you by your card issuers and by the
  three major credit bureaus. And see to it that
  the entries in the billing statements as well as
  in the credit reports you will receive are all
  correct and up-to-date.

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Stick to the stipulations of your bad credit
cards.

• In so doing, you can avoid incurring pesky fees
  and charges which might compromise or completely
  ruin your personal or household budget. One thing
  that can help you remember the terms and
  conditions of your card programs is to take out
  and read the fine print of your lines of credit,
  every now and then. After all, this will help
  remind you of the terms, conditions, special
  privileges as well as the usage restrictions that
  apply to your online store credit cards
  guaranteed approval.