How to spend wisely using a credit card.

I am a card user and my wallet bulk by many card not cash, And today! this topic is all about spending wisely using credit card. Credit Card is very useful and very handy for me, because I don't need to put much cash in my wallet, but as a cardholder I usually get into financially challenging times.


Because everyday those credit card companies are offering innovative products that you'll really like it with promotional zero interest rate and gaining point benefits that's why my mind crazy, whether I gonna buy that or not.

Well, as my experience this are what you need to consider before you decide to buy that product using your credit card.

A. Know your credit card available balances and your credit card limits. In order to avoid the instance of being dissapoint if you find out the product you wish to buy have much higher price than to your credit card limit.  

B. Always look for the original price of the product then divide it on how many months you wish to pay. Because in this situation you can find out if the product have really zero interest rate and also if you really can pay it monthly.

C. Avoid being late from paying your credit card debt. Because those credit card companies are so eager to put 3.5% interest penalty rate in every late payment you gonna transact.

D. Be sure to your payment. The most important thing you must never forget before you try to spend using your credit card.

That's all for now folks. Spend wisely this Valentines Day so you won't be broken hearted after this month of love and pleasure.

Category: Tips and Tutorial