We all know how to use the credit card but do we all use it efficiently
for our daily purchases? Having a credit card is a big responsibility.
Sometimes, it is a boon for us and sometimes a bane. You have to be very
careful when you are one of those people, who use credit card for day to day
purchases. You don’t want to cross the certain limit otherwise you might end up
in debt! If you want some no-fail tips on how you can use the credit card
regularly without any mishaps, then keep on reading…
for our daily purchases? Having a credit card is a big responsibility.
Sometimes, it is a boon for us and sometimes a bane. You have to be very
careful when you are one of those people, who use credit card for day to day
purchases. You don’t want to cross the certain limit otherwise you might end up
in debt! If you want some no-fail tips on how you can use the credit card
regularly without any mishaps, then keep on reading…
1. Pay the balance on time – Make
sure you have marked the dates in your calendar or set a reminder to pay off
the monthly payments of the credit card. You don’t want to miss out on anything
otherwise you could go into a heavy debt. Make sure you put some money aside
for all your monthly payments. If you miss out on any, then you won’t be able
to enjoy the benefits of using the credit card freely. You will be constantly
receiving calls from the credit card company, and there can be a possibility
that your card can be blocked.
2. Keep
the card for emergency only – If you have well enough cash in
hands and a debit card with enough balance for the monthly household work and
leisure then avoid using your credit card. Credit cards are actually to be used
only in emergency times. For example, if you have a payment coming up for a
bill and you haven’t received your pay check yet then you can use the credit
card to make payments. If you want a credit card, then you can check out the bpi credit card promo
to get more information. It is not bad to have a credit card but you need to be
very cautious when using it.
the card for emergency only – If you have well enough cash in
hands and a debit card with enough balance for the monthly household work and
leisure then avoid using your credit card. Credit cards are actually to be used
only in emergency times. For example, if you have a payment coming up for a
bill and you haven’t received your pay check yet then you can use the credit
card to make payments. If you want a credit card, then you can check out the bpi credit card promo
to get more information. It is not bad to have a credit card but you need to be
very cautious when using it.
3. Utilise
a rewards card – Find a card that has offers with it like
cash back or retail points, etc. If you use the credit card often, then it is
beneficial to use something that provides you with rewards. These rewards can
be useful and helpful at certain times. Make sure you sit down with the credit
card company or the representative and talk about it properly.
a rewards card – Find a card that has offers with it like
cash back or retail points, etc. If you use the credit card often, then it is
beneficial to use something that provides you with rewards. These rewards can
be useful and helpful at certain times. Make sure you sit down with the credit
card company or the representative and talk about it properly.
4. Pay
your bills on time – Make sure you pay all the bills
on time as it makes quite an impact on your credit history and score. If your
credit card application is in the pre-approved credit card Philippines state, then you are good to go
otherwise you could be restricted to getting the credit card.
your bills on time – Make sure you pay all the bills
on time as it makes quite an impact on your credit history and score. If your
credit card application is in the pre-approved credit card Philippines state, then you are good to go
otherwise you could be restricted to getting the credit card.
5. Don’t
exceed the total credit limit of the card – Never ever exceed the total
limit of the credit card. Make sure you keep it in a limit. If the limit of the
card is 1000 dollars, then make sure you keep at least 300 dollars as the
balance. You could be in serious debt if you constantly exceed the limit.
exceed the total credit limit of the card – Never ever exceed the total
limit of the credit card. Make sure you keep it in a limit. If the limit of the
card is 1000 dollars, then make sure you keep at least 300 dollars as the
balance. You could be in serious debt if you constantly exceed the limit.
These few credit card usage tips can help you use
your card wisely!
your card wisely!
