How to Save Money on Credit Cards: 8 Easy Tips
Holiday shopping overloaded your credit cards? Worried about the finance charges youll soon start paying? Fortunately, you can use a bunch of different tactics to save money on credit cards. Some suggestions follow:
Leave Home without It
If youre like most people, you spend more money if you carry a credit card around. Some studies show that credit card holders spend 23 percent more on average even if they dont carry a balance on the credit cards. No investment pays an instantaneous 23 percent rate after taxes. Even business investments. Despite what one credit card issuer says, youre really better off if you leave home without it.
Cancel Unnecessary Credit Cards
If you dont carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by canceling all the cards you dont use, for that matter. Youll only spend more if you use them, anyway.
Ask Your Bank to Waive Its Annual Fee
Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual...
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