3. Avoid Putting Medical Bills On Your Credit Cards - Deepstash

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3. Avoid Putting Medical Bills On Your Credit Cards

3. Avoid Putting Medical Bills On Your Credit Cards

Medical bills may show up unexpected but putting them on your credit card is not the answer. Doing these will cost you a lot of money in interest instead, call your doctor or hospital’s billing department and ask about your options, hospitals usually have a structure for interest-free monthly payment plans.

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1. Read the Fine Print

1. Read the Fine Print

Reading through the terms and conditions that come with opening a new credit card is important so you can ensure that you are getting favorable terms compared to what competitors are offering (this would require you do a little digging beforehand). For instance, you can find out what interest rat...

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How to Avoid Piling Credit card Debts

How to Avoid Piling Credit card Debts

Most people assume that owning a credit card means that you'll be swarmed in debt  but this is not always true. Let's explore the reasons why.

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5. Stay on a budget

5. Stay on a budget

Consumers are more likely to spend more money when they pay by credit card, this is said to be because people do not experience the abstract pain of payments. Staying on a budget is all based on your self-regulation but you can consider applying the following tips:

Monitoring your payments,...

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6. Link a bank account & Turn on Autopay

6. Link a bank account & Turn on Autopay

 Paying off your balance each month helps you avoid interest completely and improves your credit score. Using an autopay feature ensures that you never miss a payment and therefore never have to worry about paying extra in interest.

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2. Avoid Cash Advances

2. Avoid Cash Advances

Credit card issuers prefer that you use your card for making purchase payments, if instead, you withdraw cash at an ATM, for instance, you get charged a transaction fee, finance charges and a higher interest rate. It’s the most expensive transaction you can make with a credit card.

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7. Have backup savings or investments

7. Have backup savings or investments

Emergencies are one of the reasons people go into credit card debt therefore building a safety net by saving or investing in appreciating assets will ensure that whatever the future throws at you, you’ll have the capacity to return a serve.

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4. Negotiate A Lower Interest

4. Negotiate A Lower Interest

The better your credit card score the lower interest you should have to pay. If your credit score has improved and you have always cleared your bills on time, it might be time to give your credit card issuer a call. Most credit card issuers provide varying interest rates to cardholders based on t...

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CURATED FROM

CURATED BY

royaltouchz

Writer, artist, Accountant and a forever learner. Learning, loving, Hoping.

These Ideas show how to enjoy the rewards that come with using a credit card while also avoiding the threat of drowning in debt.

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