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Keep your credit card IOU free

Navigating the world of credit cards can be overwhelming and confusing. There are so many different kinds with different benefits and lots of fine print. At the end of the day credit cards are extremely useful to help build your credit and make your money work for you. However, they can be dangerous is mis-managed.

We recommend the follow resources to help you become a confident credit card user:

1. Nerdwallet- the best credit cards This company reviews the credit cards every year and provides concise, easy to understand advantages. There is also a helpful survey you can complete about your spending habits to help you identify the perfect credit card for your needs. For example, if you are just starting out and have very little experience with a credit card, you should look for one of the simply credit cards with low APR which can help you build your credit score.

2. It is important that you understand what is a credit score and the elements which can effect it. A credit score ranges from 300 to 850 and measures a person's likelihood to repay a debt. A higher credit score is an indication that you are more likely to make payments on time. As you can imagine this can effect various aspects of your life. Landlords and lenders will want to see a credit score, a low one can have crippling effects. Read Capital One’s explanation of factors that do and don’t affect your credit.

3. Credit card payments: There are 4 types of credit card payments and each have different effects. You have the option of making the minimum payment, the statement balance, current balance and a custom payment. Read’s thorough review of this information to ensure you are making the right payment.

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Free Cheats
Free Cheats
27 may 2022

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