Moneytrackin': Recent global tips tagged with "credit"

Smart credit card usage

haloish — Sun, 07 Nov 2010 11:06:18 +0100

Use your credit card like it is cash... put everything you can on it but pay it off in full every month. This way you: 1) Have a record of what you've spent on, and; 2) Get to keep your cash for one or two months longer - you can earn a tiny bit of interest on it.

How to lower interest on credit card bills

leadwings — Wed, 03 Nov 2010 04:31:16 +0100

DON'T USE CREDIT CARDS!!! If you have them cut them up right now! Then pay them down with all of your financial power, one at a time, even if this means neglecting other payments.

How to Pay off Credit Card debt

Cherrysweetdeal — Tue, 09 Mar 2010 23:32:27 +0100

Put 10% of your paycheck towards the credit card payment each month. That way you put the money away automatically before you have a chance to spend it.

Emergency Fund

moneytrackin_de — Tue, 27 Oct 2009 08:05:01 +0100

Keep at LEAST $1,000 in an account not tied to a debit card or checking account for emergency's so that you don't use credit cards for them.

Tarjeta de Credit

moneytrackin_de — Mon, 07 Sep 2009 21:10:22 +0200

Sempre pagar en efectiu i no tenir tarjeta de credit.

How to Pay Off Credit Cards & Debt

curbolicious — Mon, 29 Jun 2009 14:24:32 +0200

Some college students fall into credit card debt, feel guilty and worry all the time about money and their debt. College students have enough to worry about... find out the most efficient way to pay off credit cards tips below. Step 1: Figure out how much credit card debt you have. Step 2: Stop Using Credit Cards... which can be tough, but you can always leave your credit cards at home so you are not tempted to rack up more debt. Step 3: How to Pay off one Credit Card Create a budget and pay as much as you can on your credit card each month. The more you can pay over the minimum the better because it pays off the balance, where a portion of the minimum payment only pays the interest. Step 4: More Than One Credit Card... Look at the balance, interest rate, and minimum monthly payment for each card. Sort your credit cards by the interest rate (high to low). 1st way: Pay Off High Interest Credit Cards First... Make only the minimum payments on all of your other cards, and then pay as much as you can on the card with the highest rate. After the first card is payed off, attack the credit card with the next highest interest rate the same way, and so on until all cards are paid off. 2nd way: Snowball Payoff Method... this less popular method say to pay off the credit card with the least balance first, so you get that sense of accomplishment quicker, and then you can divert extra money towards the next credit card. 3rd way BEWARE! Don't Sign Up For Any Additional Credit Cards Can apply for a new college student credit card and transfer your balance over to the lower rate card. This could work, but but most student tend to transfer the balance and then rack up even more debt on both cards. The plan is to pay off debt, not increase it so be careful. This tip was found at www.collegetips.com/college-money/pay-off-credit-cards.php last accessed June 29, 2009.

credit card payoff

midget37 — Mon, 25 May 2009 17:47:12 +0200

don't look at the totals on your credit cards look at the interest rate example : 1,000 at 15% interest on one card with 160 minimum payment 1,500 at 10% interest at 160 minimum payment you have 400 to spend on your cards put 240 on the 1000 dollar card and minimum on the other one. In the long run it will save you money.

Always pay on time your credit card

francorj — Thu, 05 Mar 2009 07:33:14 +0100

In countries where the interest rate is very high, like Brazil, it's always best to pay your credit card on time. If not possible, use he personal loans from your bank. The interest rate is normaly 1/4 of the credit card.

Don't borrow any money

anandus — Sat, 21 Feb 2009 16:59:42 +0100

Although it might me nice to use a credit card to buy something, you're better off not to, because you need to pay interest over the borrowed amount. Money which you could've used to buy something else.

How to avoid credit card late fees.

joehu88 — Mon, 09 Feb 2009 21:14:04 +0100

Tell them you haven't received a credit card statement in the mail. Object to being charged a late fee when you haven't received a bill. If you don't abuse they would usually remit the late charge.

Live below your means.

GPAaron — Fri, 28 Nov 2008 18:13:10 +0100

The only thing you should consider financing is a house. Never finance a car, furniture, computer, or anything else – even during the holidays. If you can't pay for it in cash, you cannot afford it. Also, give to a cause such as Food For The Hungry. Trust me, you will be blessed for it.

Settle with credit card companies

cameronk — Mon, 20 Oct 2008 03:59:33 +0200

If you have a credit card and you have the funds to pay it off. You should call the credit card company and ask to speak to the manager. Make them an offer that is about 50 to 60% of the balance that you owe. They will usually settle with you for this amount. This could end up saving you alot of money.

Kredi Kartı aidatları

waptir — Thu, 09 Oct 2008 13:32:33 +0200

Merhaba arkadaşlar eğer çok fazla harcama yapmıyor ve kredi kartını arasıra kullanıyorsanız bankaların isteğe bağlı verdikleri Gold/Premium/Plus vb. ayrıcalıklı kartlar yerine klasik, normal, vb standart kartları tercih ediniz çünkü banka size fazla puan kazandıracağını söylerken dipnot olarak bu ayrıcalıklı kartların aidatlarının diğerlerinden çok çok fazla olduğunu da belirtiyor ancak gözden kaçırabiliyoruz bazen.

How to NOT spend

egyptian_flo — Tue, 22 Jul 2008 20:32:39 +0200

If you love using ur credit/debit cards, and can't resist usin em when u'r out & about... then lock those in ur wallet and keep limited cash with u. (Alternatively, u can get prepaid cards -if available- and restrict yourself to the amount you've put on them)

Card Insurance Protection

moneytrackin_de — Fri, 20 Jun 2008 12:26:12 +0200

Some credit cards offer card shield protection that seems a little price to pay as assurance that your love ones will not be charged with your bills in case of accidents. It also offers an array of \"benefits\" However, these amount is varying depending on how you use your card, the higher your expenses, the higher it might get... So if you are using your card for big purchases, avoid this add on as much as possible..

Credit Cards Vs. Cash

mobsyland — Mon, 26 May 2008 18:18:53 +0200

Credit Cards can be more useful than cash...if you are responsible. As long as you pay your balance off every month the appropriate credit card (miles; points) can actually reward you better than using pure cash. Also i find it easier to track my expenses using credit cards than with cash.

Credit cards

paulsen — Mon, 12 May 2008 21:50:43 +0200

Don't pay one using another! It's a neverending loop! If you find yourself contemplating this, you should stop and reconsider. Find another way to cancel your debt!

Don't get credit

vgare — Tue, 01 Apr 2008 14:34:32 +0200

Its as simple as that. Don't spend your credit card, don't get loans.