tag:blogger.com,1999:blog-88259342344710765652011-04-21T21:13:57.212-07:00Absterhttp://www.blogger.com/profile/07489725514513780575noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-8825934234471076565.post-6294229558579270692009-03-27T06:42:00.000-07:002009-03-27T08:24:41.462-07:00Well, I am not born <span style="font-style: italic;">EXPERT</span> in this field of credit cards but all I can say it didnt take me long to become one after the effects of it(<span style="font-weight: bold;">only if you dont use it properly</span>). When I was in US it took me a while to get a credit card because I had none to show for my credit rating score. So after only I got some bills on my name and paid it off on time, I got an offer for credit card from my Bank only. Slowly slowly I started to use it and use it and use it, only to know at the end of the month the minimum I owe to the bank. For most of us its like a prepaid cash gift card. I thought of it as the same.<br />When using a credit card make sure you use it only for the exclusive things and where you don't have any options. For e.g. paying for daily meal is a strict no no!!! But buying from walmart in bulk, paying bills online or shopping is ok. Credit Card is to make your life comfortable. Do not think of it as a life line to hang on to.<br />It takes one delayed payment to ruin your credit rating and several on time payment to make it better.<br />If you have a bad credit rating then you need to<br /><ul><li> look for a card which has credit rating improval offer implied within.</li><li>Apply for 0% APR card which helps you alot</li><li>Pay more than minimum due payment</li><li>Use it only on emergencies</li><li>Have less than or maximum 3 credit cards at a time</li><li>Keep track of your statements</li></ul>You can apply for some of the cards which are not from major companies but will help you improve your credit ratings.<br />Don't just go ahead and apply for all. Just choose the best. Before that check your credit ratings from the same site and apply accordingly.<br /><a style="font-weight: bold;" href="www.streaminglive.weebly.com/my-finance.html">www.streaminglive.weebly.com/my-finance.html</a><br /><a style="font-weight: bold;" href="www.credit-card.webs.com">www.credit-card.webs.com</a><br /><br />I wish best of luck to all you credit card holders. I hope I was of somewhat help to your financial life.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8825934234471076565-629422955857927069?l=abster-finance.blogspot.com' alt='' /></div>Absterhttp://www.blogger.com/profile/07489725514513780575noreply@blogger.com0