Credit cards are able to facilitate our activities, but if not used wisely, will also make us get into big trouble. Basically, if you do not do the following 4 things, you will be free from the temptation to spend too much and the cost burden.
1. Just pay the minimum payment. It seems this feature is easier to pay the debt according to ability, but its side effects (which is less fun, and it became the purpose of credit card issuing bank) is to prolong your debt. Even greater interest, thus increasing the amount of your overall debt.
2. Takes too many credit cards. The number of card options that can be used to make you easily into debt, because it will be more difficult to track your spending (especially if you do not have records of your expenses). Having many credit cards are not always bad, the problem is if the abuse. So, limit your ability to carry only two credit cards that can be managed with caution.
3. Late payment. You will not only be fined for late payment, but also affected by interest rates continue to rise. If you're too busy making it difficult to leave the office or forget to pay, be a member of online banking or pay over the phone.
4. Often take cash advance, or cash. Cash advance is usually followed by interest rate higher than the purchase of flowers or expenditures (about 4%).
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