Owning a credit card is like owning a gun. Handle it responsibly and it will take care of you and save you from occasional tight situations. Misuse it and it can bring you to grave financial disaster.
To get the most out of your credit card, therefore, you need to have a full grasp of what credit card ownership entails. Keep your account in good credit standing and know what is expected of you to do this.
To keep card ownership simple and less expensive, its best to maintain only one credit card. Maintaining one card means saving on yearly membership fees and allows the cardholder to maximize the rewards points he earns from frequent card usage.
Prior to actually getting the credit card, find out more about what it has to offer in terms of benefits, features, and services. Look into monthly finance charges, annual fees, late payment fees and the like to have an idea of how much it would cost to maintain the card.
What are the advantages of owning a credit card?
By owning a credit card and maintaining it responsibly, you will establish your credit worthiness. You will create a positive credit history for yourself that will tremendously...
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