Tip 1. Say "No" to credit protector
Don't get bullied into buying credit protector.
Credit card companies are trying really hard to push you into signing up for their credit protector services. Why are they trying so hard? The obvious answer is that they want to make a lot of money. A lot of money on YOU. If you carry a big ...
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Tip 2. Reward yourself
Get credit card with rewards you could use.
Credit card companies offer many reward cards that give you money, miles or points. You could later redeemed these rewards for cash, travel, products and services (depending on the type of rewards you got with your card). As an ...
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Tip 3. Spike your credit score
Increase your credit score before applying for a new card.
A month before applying for a new credit card, you could use money you saved (you read my debt help and savings tips?) to pay off part of your credit card debt. You must try to get your balances to below 50% of available credit line on ...
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Tip 4. Be alert
Use online alerts in your credit cards accounts.
Life is crazy. Everyone is very busy. It's hard to keep up with and remember everything that needs to be done. That is why you might forget to pay a credit card bill on time. This misfortune goes into your credit history and lowers your credit ...
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Tip 5. No more then half
Try keeping credit card balance below 50% of availale credit.
Credit score companies love when balances on accounts are below 50% of available credit limit! If you try to oblige that love of theirs, you will be richly rewarded with higher credit score. Higher score means better deal on the next ...
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Tip 6. Credit card loan
Use credit cards for a cheap loan. But with caution.
Credit card companies will often offer 0% APR for anywhere from 3 to 18 months on credit card convenience checks that you could deposit into your bank account. The usual fee for this transaction is 3% of the amount used (Discover Card just started ...
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