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It Takes Credit To Build Credit

It Takes Credit To Build Credit

Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail. When you're trying to build a positive credit history for yourself, using the right credit card makes sense. Making small purchases and then making your payments on time each month is a simple, reliable way to build an outstanding credit report.

What to Look For On a Credit Card Application

If you receive a credit card application that appears to offer a low monthly interest rate, don't make a decision until you turn it over and closely examine the Disclosure Box. In it you'll find a more important measure of credit terms - the Annual Percentage Rate, or APR. By federal law, the Disclosure Box will also tell you whether or not the card has what is called a grace period - a number of days, usually 25, until your purchase starts to accrue finance charges. If a card has a reasonable grace period and you pay off your balance at the end of each billing cycle, you won't have to pay finance charges. It isn't difficult to find credit cards that offer these grace periods, so if the Disclosure Box doesn't declare one then throw the application in the trash and look for a better offer.

If you don't have any credit history at all, a credit card company won't want to give you a very high credit limit, but that's probably best when you're just starting out. You don't want to be tempted to go into serious debt with your very first credit card.

Calculate Your Monthly Finance Charges

Ideally you want to pay off your balance each month to avoid paying any finance charges, but when that isn't possible it's important to know the actual cost of the items you purchase. The annual percentage rate, divided by 12 months, gives you the periodic rate that will be applied to your outstanding balance each month. You can estimate what your monthly finance charge will be by multiplying the periodic rate times the outstanding balance. It may sound complicated at first, but taking the time to learn this simple equation can make a big difference in how you use your credit card.

When you're able to see how much you actually spend on an item that you don't pay off at the end of the month, it might help you to resist the temptation to over-use your card. An item that you want to buy might be on sale at the time you purchase it, but if you don't pay off your balance at the end of the month then those finance charges can dramatically increase the actual amount you'll end up paying.

Use Your Credit Card as a Tool

Credit cards are only one of the tools available to help you build a positive credit history. Making on-time payments for other forms of credit, such as rent and utilities, are also important. Depending on your situation, within 1-2 years your credit rating will be improved enough that you no longer need to use your card for new purchases to maintain your good credit. Use these tools wisely, and they'll help build your financial future!

This article courtesy of http://www.ult.net. You may freely reprint this article on your website or in your newsletter provided this courtesy notice and the author name and URL remain intact.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/news/local/la-fi-creditunions12-2008oct12,0,938332.storycid=1256110151ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGkndxfKgoZh7qDNmemOIugxr_KSAFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://voices.washingtonpost.com/thecheckout/2008/10/got_your_money_in_a_credit_uni.htmlcid=1256110151ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNEbsfbCrew5gLkC_OJB_MDX84WsawGot Your Money in a bCredit/b Union? You Too Are Safe/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNF11AnV2Oxq_xWrztd0Vb4uLR7skwIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNH5ucYGssuPURKdePMh6raPG7SvCgLETTER: Your money is safe with bcredit/b unions/a font size=-1 color=#6f6f6fnobrJackson County Chronicle/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5iPeXcbvvMWdIO4hV5dd1idJxQquQcid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGLRaqo8PqeQi8d-N3zh_Jt8d8m8Qimg src=http://news.google.com/news?imgefp=v8ZVXRUyF40Jimgurl=afp.google.com/media/ALeqM5iliHUGVTIZ9O8F0UVVwxssKUYgMA width=80 height=58 alt= border=1brfont size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://canadianpress.google.com/article/ALeqM5h-O9O61Y71tZ7AQG2-BMpAwF_77Acid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGh4cJVeDNBAV2dyn8mjDwIKbCixwIMF endorses plan by rich countries to fight bcredit/b crisis/abrfont size=-1font color=#6f6f6fThe Canadian Press,nbsp;WASHINGTONnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1WASHINGTON — The International Monetary Fund says it strongly endorses a plan by rich countries to fight the global bcredit/b crisis. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DbS1sM6eNhHIcid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNFU95KgXed1W4Kijhrtkp80GwjnOAVideo: IMF: Timing right for G7/a font size=-1 color=#6f6f6fnobrReutersVideo/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/bS1sM6eNhHI/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/bS1sM6eNhHItype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4964TN20081009cid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNENtGgH4FkvdRrN_pfxgH3_WYF4BwGlobal bcredit/b crisis losses approach $1.4 trillion: IMF/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dailystar.com.lb/article.asp%3Fedition_id%3D1%26categ_id%3D3%26article_id%3D96602cid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNEyV1VqiKy52OTMnSH5ZGiy9YyNsAIMF bcredits/b Banque du Liban for fending off bcredit/b crunch/a font size=-1 color=#6f6f6fnobrDaily Star - Lebanon/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/08/afx5524934.htmlcid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNFmM7hPm4KFmMosSoL_UuQwbiRcIwnobrForbes/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://english.kbs.co.kr/news/newsview_sub.php%3Fmenu%3D2%26key%3D2008101011cid=1253303955ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNHws-pG5U5FdsbRn2688TTODULr_gnobrKBS/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253303955hl=ennobrall 1,519 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dividend.com/blog/%3Fp%3D2144cid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGACTXSzkzDOrgGjyJL7MOTM43xlAimg src=http://news.google.com/news?imgefp=n-iTckVtn80Jimgurl=www.dividend.com/blog/wp-content/uploads/storypics/cme.jpg width=80 height=60 alt= border=1brfont size=-2Dividend.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.californiaprogressreport.com/2008/10/state_controlle_2.htmlcid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNFnbGApGqrckhkibdJXVWM3C8YZKwState Controller Chiang to Treasury Secretary Paulson b.../b/abrfont size=-1font color=#6f6f6fCalifornia Progress Report,nbsp;CAnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1However, while we continue to work through this crisis, I believe more needs to be done to increase investor confidence in the bcredit/b markets, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/10/credit_trade_swaps.htmlcid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNHqux8ESGxVF9xs5lzqtQQsagCsjgICE, 3 other firms team up to trade little-known securities/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mondovisione.com/index.cfm%3Fsection%3Dnews%26action%3Ddetail%26id%3D77979cid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNFh2M1Zi-F6FAyyXSnGDTWY_Zsn-AEurex Clearing Presents Central Clearing Solution For bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrExchange News Direct/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/finance/2008/10/07/cme-pimco-treasury-pf-ii-in_pr_1007dividend_inl.htmlcid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGurClijNH7RtycVNW13U5C8MFgZwbCredit/b Default Swap Virtual Pit/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.suntimes.com/business/1206883,CST-FIN-cme07web-w.articlecid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNGunUZA0he166xrFbIvs0x_Io-WwAnobrChicago Sun-Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/bondsNews/idUSN1037445420081010cid=1254860311ei=mFTxSOP6Hajs6gOnnfi9CQusg=AFQjCNEflJerRwyyGATTQF6_KxRJNTG2TgnobrReuters/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254860311hl=ennobrall 91 news articles/nobr/a/font/div/font/td/tr/table

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