Welcome!

News Feed Item

Credit Help Cards Announces New Tips for Unsecured Credit Cards

ATLANTA, March 2, 2014 /PRNewswire-iReach/ -- When it comes to managing a credit card, it would seem that there isn't much to it at all. Simply make your payments on time, and you're in the clear, right? Actually, there is a whole lot more to using and getting the most out your credit cards. It doesn't take much at all to find yourself in hot water with a credit card, and the higher the balance, the thinner and more dangerous the ice you wind up treading. These are eight habits that savvy card holders use to continue to make those important purchases with their cards and still stay out of the red area!

(Photo: http://photos.prnewswire.com/prnh/20140302/MN74013)

Use Software

Even if you think you can easily keep up with your charges and payments in your head for your credit card, the large margin for error is still likely going to be there. Whenever you make a purchase, immediately log it in your finance software, and remember to record even the tiniest of transactions. Overlooking small expenditures is often what trips people up. Don't make that mistake!

Use Rewards

Rather than merely spending and never gaining anything back from the system, take advantage of the reward programs that many cards offer. The best programs to keep an eye out for are ones that offer cash back incentives. These types of programs offer a small percentage of cash back on purchases made in specific stores. You can even save this money to make future payments on the same card!

Don't Use Your Cards for Emergencies

Whenever an emergency springs up seemingly out of nowhere, your first reaction is likely to "put it on the card." While this puts a band-aid on the situation at the time, it will only wind up being a financial nightmare down the line once it's time to literally pay the price. Therefore, it's always a good idea to have an emergency fund set aside for disasters so that you don't have to put them on credit.

Communicate

Communicating about credit is especially important for individuals that share accounts, such as spouses. If you happen to use the credit card for lunch expense, be sure to either show the log to your spouse or directly let them know so that they are on the same page. Miscommunication can and often does lead to major and unnecessary kinks and late payments.

Logically Think About Your Purchases

Simply enough, if you know you won't be able to afford the purchase when the credit card bill comes, or even if you have doubts, it's probably a good idea to just move on. Only swipe and make purchases for things that you know for a fact that you will be able to pay off down the line. Get out of the habit of living in the moment and start thinking about the "laters" and "what ifs." 

Make Frequent, Prompt Payments 

Many people think of their credit card owings as a lump sum that must be paid in full by the end of the month before they are in the clear for more spending. However, savvy card holders look at their balances as works in progress; balances that can be etched away at over time. If you have extra money lying around, go ahead and pay off whatever you can on your balance so that you aren't scrambling at the end of the month.

Condense Your Cards to a Minimal Amount

The more cards you have in your wallet, the more likely you're going to wind up in a financial mess; that's a fact. Keeping more cards comes with more micro-management, and this is where many people goof up and can't keep up with all of the bills and transaction histories. As a rule of thumb, keep one credit card for primary use and another for a backup and should, in theory, only be used in dire situations.

Don't Pay Attention to Your Limit

Lastly, don't look at your credit cart limit as a goal that must me accomplished. If your credit limit tops out at $20,000, this is not a personal challenge that you should take on to use it all up. Only spend what you can afford. Leave the rest of your credit allowance for dire emergencies.

About CreditHelpCards.com

Credit Help Cards is the leading credit card finance provider in USA fully dedicated to help its customers acquire a credit card regardless of credit history. They design and develop customized no credit credit cards, bad credit credit cards, and good credit credit cards. Voted the best for "Quality Customer Service; Best National Credit Cards Service" by thousands of people, their finance experts focus in providing its customers information and various tools available for different credit card offers, help them to choose the best that fits their goals and needs.

Media Contact: David Anderson, CreditHelpCards.com, 3159082274, [email protected]

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE CreditHelpCards.com

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Latest Stories
The IETF draft standard for M2M certificates is a security solution specifically designed for the demanding needs of IoT/M2M applications. In his session at @ThingsExpo, Brian Romansky, VP of Strategic Technology at TrustPoint Innovation, will explain how M2M certificates can efficiently enable confidentiality, integrity, and authenticity on highly constrained devices.
Increasing IoT connectivity is forcing enterprises to find elegant solutions to organize and visualize all incoming data from these connected devices with re-configurable dashboard widgets to effectively allow rapid decision-making for everything from immediate actions in tactical situations to strategic analysis and reporting. In his session at 18th Cloud Expo, Shikhir Singh, Senior Developer Relations Manager at Sencha, will discuss how to create HTML5 dashboards that interact with IoT devic...
We're entering the post-smartphone era, where wearable gadgets from watches and fitness bands to glasses and health aids will power the next technological revolution. With mass adoption of wearable devices comes a new data ecosystem that must be protected. Wearables open new pathways that facilitate the tracking, sharing and storing of consumers’ personal health, location and daily activity data. Consumers have some idea of the data these devices capture, but most don’t realize how revealing and...
There is an ever-growing explosion of new devices that are connected to the Internet using “cloud” solutions. This rapid growth is creating a massive new demand for efficient access to data. And it’s not just about connecting to that data anymore. This new demand is bringing new issues and challenges and it is important for companies to scale for the coming growth. And with that scaling comes the need for greater security, gathering and data analysis, storage, connectivity and, of course, the...
Artificial Intelligence has the potential to massively disrupt IoT. In his session at 18th Cloud Expo, AJ Abdallat, CEO of Beyond AI, will discuss what the five main drivers are in Artificial Intelligence that could shape the future of the Internet of Things. AJ Abdallat is CEO of Beyond AI. He has over 20 years of management experience in the fields of artificial intelligence, sensors, instruments, devices and software for telecommunications, life sciences, environmental monitoring, process...
SYS-CON Events announced today that Ericsson has been named “Gold Sponsor” of SYS-CON's @ThingsExpo, which will take place on June 7-9, 2016, at the Javits Center in New York, New York. Ericsson is a world leader in the rapidly changing environment of communications technology – providing equipment, software and services to enable transformation through mobility. Some 40 percent of global mobile traffic runs through networks we have supplied. More than 1 billion subscribers around the world re...
In the world of DevOps there are ‘known good practices’ – aka ‘patterns’ – and ‘known bad practices’ – aka ‘anti-patterns.' Many of these patterns and anti-patterns have been developed from real world experience, especially by the early adopters of DevOps theory; but many are more feasible in theory than in practice, especially for more recent entrants to the DevOps scene. In this power panel at @DevOpsSummit at 18th Cloud Expo, moderated by DevOps Conference Chair Andi Mann, panelists will dis...
Struggling to keep up with increasing application demand? Learn how Platform as a Service (PaaS) can streamline application development processes and make resource management easy.
Many private cloud projects were built to deliver self-service access to development and test resources. While those clouds delivered faster access to resources, they lacked visibility, control and security needed for production deployments. In their session at 18th Cloud Expo, Steve Anderson, Product Manager at BMC Software, and Rick Lefort, Principal Technical Marketing Consultant at BMC Software, will discuss how a cloud designed for production operations not only helps accelerate developer...
We’ve worked with dozens of early adopters across numerous industries and will debunk common misperceptions, which starts with understanding that many of the connected products we’ll use over the next 5 years are already products, they’re just not yet connected. With an IoT product, time-in-market provides much more essential feedback than ever before. Innovation comes from what you do with the data that the connected product provides in order to enhance the customer experience and optimize busi...
Much of the value of DevOps comes from a (renewed) focus on measurement, sharing, and continuous feedback loops. In increasingly complex DevOps workflows and environments, and especially in larger, regulated, or more crystallized organizations, these core concepts become even more critical. In his session at @DevOpsSummit at 18th Cloud Expo, Andi Mann, Chief Technology Advocate at Splunk, will show how, by focusing on 'metrics that matter,' you can provide objective, transparent, and meaningfu...
The increasing popularity of the Internet of Things necessitates that our physical and cognitive relationship with wearable technology will change rapidly in the near future. This advent means logging has become a thing of the past. Before, it was on us to track our own data, but now that data is automatically available. What does this mean for mHealth and the "connected" body? In her session at @ThingsExpo, Lisa Calkins, CEO and co-founder of Amadeus Consulting, will discuss the impact of wea...
If there is anything we have learned by now, is that every business paves their own unique path for releasing software- every pipeline, implementation and practices are a bit different, and DevOps comes in all shapes and sizes. Software delivery practices are often comprised of set of several complementing (or even competing) methodologies – such as leveraging Agile, DevOps and even a mix of ITIL, to create the combination that’s most suitable for your organization and that maximize your busines...
Manufacturers are embracing the Industrial Internet the same way consumers are leveraging Fitbits – to improve overall health and wellness. Both can provide consistent measurement, visibility, and suggest performance improvements customized to help reach goals. Fitbit users can view real-time data and make adjustments to increase their activity. In his session at @ThingsExpo, Mark Bernardo Professional Services Leader, Americas, at GE Digital, will discuss how leveraging the Industrial Interne...
The IoTs will challenge the status quo of how IT and development organizations operate. Or will it? Certainly the fog layer of IoT requires special insights about data ontology, security and transactional integrity. But the developmental challenges are the same: People, Process and Platform. In his session at @ThingsExpo, Craig Sproule, CEO of Metavine, will demonstrate how to move beyond today's coding paradigm and share the must-have mindsets for removing complexity from the development proc...