If you have several credit cards, try to set a priority for them, based on APR. Generally, it’s a great idea to use a card that charges you the least amount of interest. The goal is to reduce your debt. Using cards with a low APR will reduce the amount you pay in interest.
Try to use your credit card only when necessary. Other times, try to use debit card. For example, if you are going to be making a large purchase, such as a flat screen TV or computer, you may have to use your credit card. On the other hand, if you just need a gallon of milk, use your debit card. This will save you money.
Don’t ever use passwords or pin codes that are easily figured out by strangers when setting up your credit card options. Common information like names, or birthdays are easy to guess and should be avoided. You shouldn’t be scared of paying off one credit card with a different one, providing that the card your paying with has lower interest rates and fees. Even if interest rates are similar, other cards might give perks or points towards airline tickets. Take the time to do the relevant calculations.
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