How Can I Use Credit Cards Responsibly?
Many people have difficulty keeping their credit card debt under control. Learning how to use credit cards responsibly is simple, but can be difficult to put into practice. One of the most important goals to have is to always pay your balance. Pay off your balance every month. You do not need to carry a balance to establish credit, and if you pay off your balance, the credit card companies are not taking your hard-earned money as interest! If you can’t pay off the full balance every month, spend less, learn to use credit cards responsibly, and pay off as much as you can. Never pay only the minimum amount — that is how the credit card companies get rich! Keeping track of your money and your cards is also extremely useful. If you keep the receipts of everything you charge, you will always know how much you owe and can avoid spending more than you can pay at the end of the month. These receipts are also useful when it comes to checking your credit card statements, which is another key in
