Today, almost everyone is in possession of one or more credit cards. But does everyone understand how the credit cards should be used? ; doesnt seem so. Some credit card holders only know how to spend on their credit cards till the credit limit is reached. Others know only about using credit cards for shopping and bill payments. Still others are too afraid to use their credit card. A lot many are unaware about the ways to protect their credit cards.
So what is it that you should know about using credit cards?
The first thing is the fact that whenever you use your credit card to make a payment, you are borrowing that amount from someone (credit card supplier in this case). Thus you will need to return this borrowed money to the credit card supplier within a specified period of time failing which you will incur a late fees and interest on the borrowed amount. So, you should be careful about your credit card payments. Besides the late fee and interest, they also affect your credit rating and we know how important the credit rating is. A bad credit rating can lead to rejection of mortgage applications, loans, subsequent credit cards and even a job application. You...
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