Emissions

Credit can come in handy on some big purchases. Rather than using your debit card, it may make better sense to pay with your credit card, then settle the amount immediately.

This is because credit cards often offer more protection for larger items, such as extra insurance...

• You feel the need to reward yourself after a hard day of work by buying new clothes/accessories or eating out.
• Lifestyle creep controls your expenses. When your income increases, you buy a new car or a more expensive house.
• You reserve your credit card for unexpec...

A great place to start because it can have a big impact on your finances:

• Set up autopay to pay your CC bills
• Call to waive any past credit card fees
• Negotiate a lower APR
• Build credit history by keeping credit lines open
• Increased your credit allowance