Credit Card Debt - Free
Credit Help
Jeanette Fisher
Are you having credit
card debt problems? If you can't sleep at night
because of credit card debt worries, you're not
alone. Many people get in over their heads charging
things they think they can't live without.
You don't need to cut up all of your credit cards.
Save your major bank cards, but stop charging
needless temptations on them. You need a couple of
major bank credit cards to maintain or build strong
credit scores.
The credit cards you should cut up, department store
credit cards, cost you too much in interest. Plus,
these types of credit cards lower your credit
scores. When mortgage lenders compute your credit
worthiness for real estate financing, they deduct
points for unfavorable department store credit
lines.
Here are a few things you shouldn't charge on your
credit cards:
1. Gasoline. Why charge something that gets burned
up before you pay for it? Think about how much per gallon you
pay when you pay interest.
2. Food. Many people use their credit cards to
purchase groceries that they pay for over the next year or
longer. Also, because it's so easy to pay with plastic, they buy
extravagant and unneeded items. What's more important--junk food
or a good night's sleep?
3. Clothes. Think before you buy clothes on credit.
Don't charge clothes on your credit cards unless you can pay
them off right away. Children's clothes wear out or they outgrow
them before you've paid off the credit card debt.
4. Utilities. Because it's so easy to pay utilities
with an automatic credit card charge, many people end up paying
for their air conditioning when they're heating their homes. Put
your automatic utility payments on your debit card instead.
5. Automatic services. Examine your next credit
card statement. Total up items like cable or satellite TV,
Internet services, and other automatic monthly charges. Can you
pay these charges off each month or are you getting behind?
Make your life easier. Stop charging consumables and
monitor your credit card debt. You'll improve your credit scores
and sleep well.
Worry-Free Credit Information:
Free credit card debt help today!
Copyright
©
Jeanette J. Fisher
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