Referred
to as "credit card" has become a form of shopping that is gaining
popularity among the urban continuity, it is because it is comfortable. Do
not carry large amounts of ready cash that they do not have to go to
ATM machine on the knob as well as major financial institutions are
racing to the promotion of credit card customers and promotion bonus
points as well. The accumulated points can not be used instead of cash. The incentives are a double-edged sword that can be inflicted on our financial health if we do not care to use it. And today I was in New York just about to leave my credit card debt.At the beginning of a new credit card, I believe I owe him one. I started taking a moment to feel that they have the purchasing power of money in the future to start spending more. The
cause of the former to pay the full amount of the loan would become
some of the items on credit card payments are all combined to make up
for it will not become delinquent. Which give rise to additional costs such as interest on the unpaid balance. Penalty for breach of terms of payment. Debt collection and so on.If we owe credit card debt and unable to pay its debts. The impact of borrowing from financial institutions (recovery system) it is today. Financial
institutions will review our financial profile through the National
Credit (Credit Bureau), which collects data on the repayment of it, if
you have bad credit history. It may be that we can not recover it.Credit card debt is the debt should be paid first.calculate the interest on 1 May at the 15th card is not a statement.Techniques for managing credit card debt is not the way it is strongly recommended.
Promoting the use of self-discipline. If it's not paid. Do not try to swipe the card. Spend less than or equal to the cash only to remember that there should be no more than 10% of credit card installments on time.
I can not pay the full amount on time, penalties and interest owed.
Choose a card that suits your usage patterns of our lives as our restaurant. Receive a refund of the fuel. Or discount department stores, etc., shall not be a victim of credit card promotions it.
Read the statement carefully. To review the payments each month. And to the use of money. Cut wasteful spending.
The points to be useful as a point instead of cash. Or discounts.It will do both. 5 and discussed previously. The Secret is the third article I stressed that it has implemented.
Without incurring additional debt. Make up your mind to remember that. "Even if it was me. If not, do not buy it ".
If you have several credit card debt. The applicants should have at least one first and then gradually Gradually closing the other. To encourage yourself.
If you want to sell assets to raise money to fill the credit card debt. Be the sale of assets not in use and does not constitute income.The techniques introduced in this plain, but it is something we all can do, just have patience. Self-discipline. And a willingness to try it. Finally, I would leave it a little more. "Accounting
for Income - Expenditure" is a technique that helps us to review the
use of their own money, as it will also help us with the financial plan.
Also, if anyone thinks you can not control themselves in the use of credit cards is recommended to use. "Debit card" instead. This will help us to better control spending on the credit card, debit card, a debit not a credit card is used in the future.