| Before applying for a card there are several things | | | | compare them. You should keep a confirmation |
| you need to know and do. A lot of banks will offer | | | | payment especially if you are paying your bill in the last |
| you cards but the APR which is the amount of money | | | | possible moment. Remember that it might take a while |
| one has to pay in interest charges per year; can be | | | | for the transaction to appear as completed in your |
| very high especially for the first card you get. Choosing | | | | bank statement. If you have more than one credit |
| the best card for you, apply for it and getting it can be | | | | card, but even if you only have one, keep the bank |
| a difficult process, but it is important to make your best | | | | numbers and your card number in a safe place so that |
| selection and get a credit card with a good APR. | | | | you can call them and block the card in case you lose |
| After you got a credit card other issues like how to | | | | it or it gets stolen. Since card fraud is more and more |
| use your card wisely or how not to get in over your | | | | common make sure you keep your personal |
| head, arise. As easy as it is to spend and use the | | | | information as safe as possible and do not share your |
| money you have in your account plus the ones that | | | | card or PIN with anybody else. A good example of |
| you do not have but the bank lets you use, turns out | | | | using your card wisely is not using your credit card all |
| to be as difficult to put them back and to repay the | | | | the time and in all the places. Try to prioritize your |
| debt. Most of the credit cards have a maximum | | | | credit card expenses and try to use it only with |
| amount that you can spend when you do not have | | | | companies you trust. |
| any money in your account. The sum can be 500, | | | | Just because you have a card it doesn't mean you |
| 1000, 2000 or up depending on your credit history. | | | | can buy anything you want whenever you want. This |
| Spending more than you can afford usually happens | | | | is exactly the way most of the people get in over their |
| when you get your first credit card, but this is not a | | | | head when they have a card and then they have to |
| must for all the credit card holders. | | | | do all kind of things like applying for another credit card |
| In fact even banks and credit card companies offer | | | | to pay their first card or applying for a loan to cover |
| tips on how to use your credit card wisely and what | | | | the expenses made with the card. The problem is that |
| to do and not do with it. Some of the things you have | | | | if you have troubles with your first card the second |
| to keep in mind when you have a credit card are the | | | | one you have will have bigger fees and interest rates |
| reasons you applied for a credit card and how much | | | | than the first one and the loan if you are lucky enough |
| are you going to be able to pay back in case you use | | | | to get one will have high interests too. Remember that |
| more than you have in your account. The amount that | | | | financial institutions never lose. Also always check your |
| you can repay depends on your monthly expenses | | | | bank statements. Banks can make mistakes too. If |
| and also on how much money you earn. The first | | | | something is wrong go and talk to them and try to fix |
| credit card you use should be one to help you pay | | | | it. If you used some of the money from your card and |
| your bills in time and help you create a good credit | | | | you have a debt to pay back try to pay more than |
| history. You can use small amounts from your | | | | the monthly minimum amount due. This means that the |
| maximum amount, but make sure you don't use more | | | | more and faster you pay your debt back the smaller |
| than you can afford to repay. It is very important for | | | | the interest that you have to pay will be. If you think |
| your credit card score and thus for getting a credit | | | | you can manage with more than one card, try to limit |
| card with a better APR and a bigger maximum | | | | yourself to two cards. If you are using one card wisely |
| amount, that you are able to make payments on time. | | | | it doesn't mean owning a second one or more than |
| When you use your card try to keep the slips and | | | | that won't make you get in over your head. Spending |
| receipts till you get your balance so that you can | | | | money is always easy even if you have it or not. |