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The do’s 1. Choose a credit card based on your spending affordability You might want to make sure you can pay for what you spend to avoid incurring unwanted debts 2. Read reviews You should read the credit card reviews in our credit card details to see which card suits you best. 3. Read the terms and conditions Be sure to check out the terms and conditions before you’re truly interested in applying for a credit card. The don’ts 1. Grab the first offer Remember, a low interest rate and a great reward package does not simply mean the credit card is worth taking. 2. Skip a payment Pay your credit card on time to prevent your credit rating from being affected. 3. Carry over a balance It is advisable for you to pay your credit card bill in full every month to avoid any interest payments. 4. Close your previous credit cards Owning a new credit card doesn’t mean you have to close your old or current credit cards especially if you’ve used it over a long period of time. 5. Apply for more than one credit card at once Not only does this burden you in so many ways, but it also affects your credit rating. Credit cards can be convenient to most people to help you get your loans when buying car, house, etc as well as an ultimate cash alternative when you don't bring your cash. Despite it being used responsibly, there are times when you have to think twice before using your credit card. Read More : http://MyFinance.com.my/articles/detail/7211181405 We also provide other various Financial Information such as, MyFinance Budget Portfolio, Personal Finance, Housing Loan, Personal Loan, Credit Card, Sharper Shopper, Calculators. For more information please visit our website MyFinance.com.my.
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