Every Credit Card Owner Should Know These - PowerPoint PPT Presentation

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Every Credit Card Owner Should Know These

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Many people today see credit cards suspiciously, like those pieces of plastic may magically ruin their financing without their approval. There are proper ways to use credit cards, and if done properly, they can make your life better rather than worse. For more tips on how to manage your credit card visit www.newhorizon.org/credit-info/ Resources: catalog credit cards guaranteed approval Soft inquiry credit cards – PowerPoint PPT presentation

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Title: Every Credit Card Owner Should Know These


1
Every Credit Card Owner Should Know These
  • BY www.newhorizon.org

2
  • Many people today see credit cards suspiciously,
    like those pieces of plastic may magically ruin
    their financing without their approval.

3
  • There are proper ways to use credit cards, and if
    done properly, they can make your life better
    rather than worse.

4
  • To make sure that you are getting a credit card
    with good rates, compare it's yearly fee to
    competitor cards.
  • The yearly fee for a platinum or black card could
    cost from 100, all the way up to 1,000, based
    on how exclusive the card is.
  • BUT if you don't have some specific need for
    exclusive credit cards, keep in mind this tip and
    save yourself some cash.

5
Shop around to get a card.
  • Interest rates and conditions can vary widely.
  • Additionally, there are various kinds of cards
    there are secured cards, cards that double as
    phone calling cards, cards which let you either
    charge and pay afterwards or they take out that
    charge out of the account, and cards utilized
    just for charging catalogue product (catalog
    credit cards guaranteed approval) .
  • Carefully examine the offers and understand
    exactly what you want.

6
Compare Interest Rates
  • If a card has a higher rate of interest, it means
    that you will pay a higher interest expense on
    your card's unpaid balance, which is a real
    burden in your wallet.

7
Minimum Monthly Payment Required
  • See to it that you pay at least the minimum
    monthly payment required on time. It may cause
    damage to your credit rating if you fail to this
    this and also may cost you a great deal of money
    over time.

8
Credit Card Limit
  • See to it that you know your credit card limit.
    Going over that limit may equate to greater fees
    than you are prepared to pay. It'll take much
    more for someone to cover down their balance
    should they exceed their limit consistently.

9
Credit Inquiries
  • Each time you opt to apply for a new credit card,
    your credit report is assessed and also an
    "query" is created. The credit inquiries remain
    in your credit report up to 7 years.

10
  • Many hard credit inquiries brings your credit
    rating down. So before you begin wildly applying
    for different credit cards, check if their credit
    requirements match your credit profile.
  • Check our list of soft inquiry credit cards here

11
  • For more tips on how to manage your credit card
    visit www.newhorizon.org/credit-info/

12
RESOURCES
  • catalog credit cards guaranteed approval
  • https//www.newhorizon.org/Info/catalog-credit-car
    ds.htm
  • Soft inquiry credit cards
  • https//www.newhorizon.org/Info/soft-inquiry-credi
    t-cards.htm
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