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4 Signs Credit Cards Aren’t For You

Credit cards are not for everyone. That is not a surprise. Credit cards can lead to debt, high interest fees, wasted money, loads of stress, and more. So, if credit cards are not for you, then you may want to look into ditching and cutting up your credit cards in order to switch to a cash and/or debit care lifestyle. There is nothing wrong with ditching credit cards. There is no shame in it either, so it’s always best to be honest with yourself and do what is best for you. 1. You treat it as free money. If you treat your credit cards as though ...
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Four Myths and Facts About Credit Cards

According to NerdWallet, the average household in the United States has credit card debt of $15,607. That’s a lot of debt, and many people are way above that number. Some of this credit card debt is because people don’t fully understand how to use their credit card, and then everything just grows and goes crazy from there. It’s very easy to let credit card debt get out of hand and out of your reach. I believe that understanding credit cards and why debt can happen is very important and helpful in learning how to correctly use credit ...
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Credit Card Features You May Not Know About

Many people out there do not know that their credit cards may come with other features besides just being able to pay for things with your credit card. Credit cards are not all evil, and some of them even come with great benefits that prove useful to their users. I have found that there are many very useful aspects of having a credit card. Below are credit card features that you may not be using yet: Protection from transactions that you did not make yourself. I think this is one of the biggest positives of having a credit card. Unlike when you ...
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Building Credit with a Credit Card

I found a great infographic the other day that I wanted to share (no, I am not affiliated with the creator of this infographic in any way). Many people each and every single day try to build up their credit score by using credit cards responsibly. What are you waiting for? If you want to build up your credit score but you know that credit cards are not for you, there are other options out there. I will be covering this more soon. Other ways to build your credit include paying normal bills such as rent, utility bills, a mortgage, car loan, and more. ...
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Using Your Credit Card Responsibly

Credit cards are not evil for everyone. Yes, some people should be using cash and should never have a credit card, but there are some out there who are great with using credit cards. Below are my tips to become one of those people. Only buy what you can afford. If you can’t afford what you are about to put on your credit card, then you just need to put it back in your wallet and step away! Only buy what you can truly afford. If you carry a balance each month and you are paying interest on your balance, then your balance is too high. You should ...
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How To Choose The Right Credit Card

When it comes to choosing a credit card, it is easy to get overwhelmed by the numerous options being offered by many different providers. Knowing which is the right kind of credit card for you and working out which one has the best benefits overall is no easy task when wading through stacks of information booklets and pages online. The process doesn’t have to be difficult, though, and there are a handful of things you should take into account and look for when carrying out your research. Obviously, it would be best to apply for credit card ...
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How To Use Credit Cards For Rewards

Using credit cards for their rewards is becoming more and more popular. And why wouldn’t it be? All you have to do is use your credit cards to pay for purchases like you normally would, except if you are using a rewards credit card then you can actually earn something back. I have been able to get a few things paid for because of credit card rewards. I have earned over five round-trip flights, gift cards, cash, and more. Here are my tips to use credit cards for their rewards program successfully: Work on improving your credit score. The best ...
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Should You Stop Using Credit Cards?

Do you know how to correctly use credit cards? If you use credit cards incorrectly, then it can lead to a lot of unwanted credit card debt and interest charges. There are people who can use credit cards to their advantage, and others who use it to their disadvantage. If you use credit cards to your disadvantage, then you should stop using them right away. There is not shame with that. You will need to learn how to use cash, which many people do. You should stop using credit cards if… You have a lot of credit card debt. If you already have ...
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