Tips to use credit cards

Credit cards have become important payment tool for people in this modern and globalization era. Credit cards have helped many people. However, they have also made many people suffered from credit cards. Most people get suffered from credit cards because they don't use them as wise as possible.

If you don't want to get suffered from the usage of credit cards, you may read some tips below:

1. Tips to apply the credit cards

• Try not to apply the credit cards from the agent (we usually find them in Mall, Restaurant and Supermarket).If you want to apply, you can apply online or go to the banks or credit cards centers.
  
• The credit limit is minimal 1/2 of our take home pay. The ideal owe is 1/3 of our salary. 
• Don't apply too many credit cards because they will burden and make you suffered when you can not return the payment in the future.
  

 2. Tips to use the credit cards

•  Pay the monthly bill before the expire date, so you don't get an additional fee and high interest.
•  Pay the bill every month. If you don't pay regularly, you will have to pay more in the next month as well as getting additional fee and interest.
  
• Buy the important needs or products, such as dvd music of rihanna, daily needs and others. Don't use them for buying useless products or things, such as eating in restaurant.
  
• Never inform your credit card data to anybody; family, relative, friends and others. 
• Beware with the credit card marketer via phone or telemarketer. Never tell then about your credit card data; credit card number and others.
• When you pay in restaurant or others stores, you have to pay attention it. Ask the waiters or clerk or others to swipe the credit cards in front of you.
• Never order something via Internet, especially order something in small company.
• Always Check  your credit cards, especially the spending.and purchasing.
• don't be consumptive people.

Hopefully that the tips to use credit cards are useful for you all.