Rick
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Pay if off all and on time. Yes many people will had bad credit score because of abuse credit card like keep transfer balance from one card to other, and took 4ever to pay it off the statemetn which has high interest rate. Credit Card actualyl is good if you know how to use it cause it gave you extra protection when purchased unlke cash or debit card is hard to retreive back when someone stole it and use it. Also credit card usually has benefit like cash back etc.. |
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Alaskanmama
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Be smart about them. If you want to get something that is big because you don't have the money then just wait. Or get a loan. If you want one for emergencies and plan to pay it off ASAP... then you will be fine... otherwise DON'T GET ONE!!!! |
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anamaniac_trashmob
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Only use them when absolutely necessary. |
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brr cold
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get one for emergency's, or booking travel. never charge more than you can pay off in one or two months. make sure you under stand how to dispute an unauthorized charge. I like Capital Ones card because they have a no hassle guarantee. find the lowest interest rate possible & keep the limit down $500 to $2,500, It's based on your income. so you don't have a large amount of unsecured credit incase you want to purchase a car or house, lenders look at that to see how high risk of a loan you will be. |
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M C
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Have one for emergencies and just say no to all the others. Debt is another form of captivity and keeps you from enjoying life and pursuing your own personal goals. |
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muchluv4pets
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The best advice I ever got was to always keep all credit card balances under half of the card's limit. The higher your balances are on your card/s, the more it will negatively impact your credit - especially if you are going to be appying for any type of loan.
A few other tips if I may: Try to pay off or pay down the highest interest cards first. Also, pay more than the minimum payment every month. And, of course, pay the bill on time, either on the due date or just a few days before.
ETA: If you do not have any credit history, you will have a hard time qualifying for loans. The lending agencies want to be able to check your credit and see how you are with handling debt before they will give you a loan. Also, if you do not have a credit history and you do get a loan, you run the risk of getting a higher interest rate because you would be considered in a "high risk" category. The best thing to do if you do not have any credit is to get a credit card. Try using it to pay for all the gas in your car for the month. At the end of the month, pay it off. It does your credit NO good to have a card that is never used. Credit cards can be good for those who have no credit. As long as you pay on time and don't already have alot of debt, it will help improve your credit score. |
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xbluebellax
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Pay it off on time, in full, every time. If you can't do that, then you don't deserve one. It's a privilege, not a right. |
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sandradee
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to just pay cash cause if you can't buy it with cash you don't need it just put it in Lawanda way it is payed for and you don't have to worry about all those intrests charges |
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$m¤¤v¥ £¤¢¤
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1. Spend what you can afford to pay off
2. Enter each credit transaction in your checking account register, because you're still borrowing the money until you pay it off
3. Use in dire emergencies
4. PAY ON TIME!!!!! |
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Gaara
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Pro: Spending money thats not yours and good for 'those sticky times'
Con: You will spend more money in the long run... |
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j!Nx0r
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Stay away from them
at the end of the day, you spend more than you bargained for... |
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Stu T
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I was advised by my dad not to get one get. I got one and regret it |
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Claude
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dont get one |
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♥♥♥♥♥♥ MRS ROBINSON ♥♥♥♥♥
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DONT GET ONE |
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zena1129
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DONT ever use one. |
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spielberg
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DON'T! |
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