How to Save Money on Your Credit Cards

Credit card companies make their money on the 85% of us who fail to pay the outstanding balance each month. Even if you are not in a position to pay the balance each month you can still save some money if use your card wisely.

The first and most obvious way to save money is to pay the balance each month. However if this is not possible then there are ways to save money. Moving money from credit card to credit card to take advantage of interest free balance transfers and effectively borrowing money for free. Be sure to read the terms and conditions on each card before you transfer.

Pay your credit card bill on time and avoid late fees which can cost you up to $40 each time. Check the payment option and guidelines on your bill. The best method of avoiding late fees is to setup a direct debit for the minimum payment each month.

Keep a close eye on your fees and charges and manage them very closely. Check you balance statement every month. Avoid withdrawing cash from your credit card. These services will cost you from 2% upwards of the amount drawn.

So the bottom line is by using your credit cards wisely you can reduce adverse effects of credit cards and maximize the benefits by spending wisely, using self-discipline, and paying off your balance as quickly as possible to avoid unnecessary fees. Credit Card Tips

(c) Noel Hynes, 2005. Reprint rights granted to copy and publish this article as long as the article and by-line are reprinted intact. Credit Card Tips

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You've just received a "pre-approved" credit card offer in your... Read More

How A Prepaid Debit Card Can Help You Rebuild Your Credit

Consumers today are up to their eyeballs in debt. And... Read More

Credit Card Disclosure Table ? Do You Understand It All?

In addition to the APR (annual percentage rate) and the... Read More

10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 HoursThis is the absolute fastest... Read More

Dont Fall for Credit Repair Scams

We've all seen the ads on television or in magazines,... Read More

Credit Cards, Merchant Accounts, and Your Bottomline

Q: I'm opening a gift shop and want to be... Read More

Five Debt Negotiation Facts

These five debt negotiation facts along with a few debt... Read More

Harassment of People in Debt by Creditors

HarassmentHarassment of people in debt by creditors or their agents... Read More

Sound Advice For First Time Credit Card Users

If you are just entering the world of credit cards,... Read More

Some Truth About Credit

Credit is currently and has been historically an integral component... Read More

Warning: Free Credit Report Imposter Websites Springing Up on the Web

A recent amendment to the federal Fair Credit Reporting Act... Read More

Common Credit Score Myths

A lot of credit score myths about fico score ratings... Read More

Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report

The three major credit bureaus, Experian, Equifax and Trans Union... Read More

How to Evaluate and Raise Your Credit Score

Why do some people get offers for pre-approved credit cards... Read More

Improving Your Credit Report

Even if you think you have a wonderful credit report,... Read More

Credit Cards Can Help You Get Out Of Debt

Your credit rating / credit score is based upon how... Read More

How Credit Scoring Works

The all important credit score! It determines the amount of... Read More

FREE Credit Report Offer - Careful, It Might Carry Hidden Charges

FREE credit checks or free credit reports. What are they... Read More

The Best Strategy To Erase Credit Card Debt

Credit card debt is a growing sickness in the United... Read More