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CREDIT CARD TIPS FOR SMART USERS

When put to good use, a credit card can be a tool that can help you out in financial difficulty. If you are the type that makes the consistent prompt payment, then you would have a good credit rating and if you don’t have a good credit rating, your prompt payments over time will improve your rating. There are even some cards that offer a 0% interest rate for a short time on balances that you transfer from other credit cards, and there are some that offer rewards for purchases.

Having a credit card is a good thing, but it can be an issue if your spending gets too much. This can result in accumulated interest and monthly payments that can affect your finances negatively. Here are some credit card tips that can help you manage your finances well;

  • Try to pay off your balance every month

Try as much as possible to avoid paying interest on purchases you make with your credit card by paying the full amount that the purchase costs. Be disciplined enough to ensure you are not tempted to spend more than you can pay in a month. All these will help you avoid paying charges in the form of interest and then you will be able to enjoy the benefits that come with using a credit card.

  • Use the card for what you need and not what you want

There is a big difference between needs and wants. You need to be able to distinguish between the two. Needs are essential items that you cannot do without but spend on them, while wants are things that you can do without. Using your card for buying what you want can get you in debt. Hence, you have to cultivate the attitude of using your card carefully.

Credit cards can be used in emergency circumstances, such as paying for a utility bill that is due before your next payday. See the credit card as a loan and whatever you take out must be paid back as soon as can so that you can avoid or decrease charges as a result of interest.

  • Do not miss payment dates

Make sure you pay your bill promptly, missing payments can affect your credit score adversely, you can incur penalties or charges due to late payment. So, always try as much as possible not to miss payment dates. You can authorize automatic payment on your account as well in case you are the type that can forget to make payments when it is due.

  • Use a rewards card

If you make payments for all your purchases with a credit card, then you need to get a card that offers rewards for your purchases. This will help you to avoid interest to some extent, and you can enjoy retail points, cash, or airline miles among others.

  • Use the credit card as a budgeting tool

If you are sure you can use a credit card judiciously and you can pay off the balance monthly, then you can use your credit card as a budgeting tool. If you use your credit card for all your purchases, then you will be able to know how much you have spent at the end of the month. If you are going to do this, make sure you are card is not charged with more than what you have in your bank account.

  • Stay below 30% of your total credit limit

Work towards ensuring that your credit utilization ratio doesn’t go beyond 30%. Your credit utilization ratio is regarded as the percentage of the total credit you have available. For instance, if your limit is $2,000 you should keep your balance under $600. Note that the ratio is inclusive of the sum of all your credit cards.

The bottom line is that you should be responsible for your spending. Do not exceed the credit limit on your card and do not allow your credit utilization to go beyond 30%.

During these times of crisis if you ever find yourself in times of need be sure to apply for a title loan today to obtain the emergency money you need in time for any occasion. Get the most you need by getting a title loan today.

This article was brought to you by TFC Title Loans, we try to bring to you the most informative information. If you are interested in getting a title loan local to you, we are able to help you with our large referral network.

We will help you to get the most money by using the equity that you have in your vehicle, the application is fast and we can provide you with same-day funding.

All of our referral partners are in compliance with the CFPB. We will help you to get the money that you need but from a trusted and reliable title lender.

Disclosures

DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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