1. Credit Card Tips From People That Know Credit Cards
Some people fear having credit cards because of potential problems that can occur. Don't be
afraid of a credit card, just commit to using it wisely. Credit cards are great for the times you
want to buy something, but desire to not use cash to mobile merchant credit card processing
make the payment. This article should give you some great advice on how to manage your
credit cards.
Never under any circumstances pay one credit card with another credit card. Some
consumers looking for a month's grace period to get their bills under control will take a cash
advance off of a credit card and use it to pay the card's bill. However, the company charges
so much in fees and interest that you'll end up in an even worse position.
If you have damaged your credit, think about getting a credit card that is secured. Secured
credit cards require you to deposit money in advance to cover the charges you will make.
Think of it as borrowing against your own savings account, and paying an interest for that
right. This is not the ideal situation, but it can help some individuals to rebuild their credit
score. Just remember that you still need to ensure the company you're dealing with is
honest. They might offer you better cards later which can further enhance your credit score.
Resist the temptation to loan credit cards to people. Even though a good friend might have a
need, it is never a good decision to lend it to anyone. This can lead to overcharges and
unauthorized spending.
Only keep a few credit cards active. Juggling multiple credit cards can quickly become a
challenge, as each must be monitored for spending. If you must have more than one credit
card, keep one of them for emergency use only.
Thoroughly read the small print before signing a secured credit card application. Many times
the money you deposit is charged with excessive fees, which may lower your credit limit.
If you're planning to travel out of the country, call your credit card provider prior to the trip.
Many companies will reject charges that are out of your country because they seem
suspicious. By notifying them of your intended out of the country purchases, it will help
alleviate any issues you might have encountered.
Make sure to get your credit report once per year to see if it is correct. Make sure that any
information on your report syncs with what is on your statements.
If you get a call asking for your credit card number, do not give it out. Scammers commonly
use this ploy. Only give your number out to trusted businesses and your credit card company
when you call them. Do not give your credit card information to anyone who calls you. This is
a fairly common practice used by thieves and the caller usually is not who they say they are.

2. The advice that was in this article will lay rest to any fears that you may have in regards to a
credit card. Credit can be very helpful when used in the proper way, so it is unnecessary to
fear it. Just remember the advice written here and you'll be fine.