Avoid Credit Card Debt – 4 Tips to Use Them Wisely

November 18, 2016

Most people have credit cards and use them to their advantage. One main motivator is collecting frequent flier miles or points to get free products or services. If you pay attention and don’t over spend, they can be a healthy part of your financial plan. If not, you can quickly rack up a lot of debt and not be able to pay it off. Below are a few tips for using your cards wisely.1. Some people collect them like I used to collect baseball cards as a kid. Getting new ones all time for a discount, specific store, balance transfer or other. The moral to the story is simple, the more you have the harder it is to track and remember. Often, leading to buying out of convenience and landing you into debt. Keep your credit cards down to a minimum so you can track your spending easily.

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2. If you struggle to pay them off each month consider using them less. Sounds obvious, I know, but using cash as a substitute for credit cards makes it a little harder to buy things. The extra step might be the time you need to decide if you need the item or just want it. Buying things you can’t afford can only end badly with you most likely in debt.3. Large purchases don’t come every day and should be planned for prior to purchasing. If you use your credit cards for large purchases do you have a plan to pay it off immediately? Finance charges can rack up quickly and soon exceed the benefit of any frequent flier miles or points you may receive. Having a plan to pay off your large purchases immediately will help you avoid fees. If you don’t have a plan to pay off a large purchase consider waiting a week and seeing if it is still a must have item or a passing thought.4. If waiting for the bills they generate causes you stress consider paying your bill online before it comes. If you pay your bill online before a bill comes in the mail you will have one less bill to open. Pre-paying your credit card bills weekly will lower the amount of each payment and reduce the need to see a traditional bill in the mail. Smaller payments can cause less stress even if they are more often.

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Credit cards can be extremely helpful by making purchasing products and services fast and easy. Consider paying your bill immediately to protect yourself from high finance charges and fees. If used without a plan you can quickly find yourself in debt that is hard to get out of. When deciding what road you want to take start slowly, use cash more and watch how much you spend.

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