4 Smart būdų, kaip spręsti su kredito kortelės skola

Jūs jau žinote apie kredito korteles daug. You’ve heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, o mūsų taupymo norma yra mažesnė nei bet kada anksčiau. Jūs suprantate, kad perkant internetu bumas, with its absolute dependence on credit cards, is further fueling their use. You are well aware that running a balance on your plastic-and paying the unconscionable interest rates that come with it-is one of our most basic and widespread financial blunders. And you suspect that the sheer volume of direct-mail credit-card solicitations with low teaser rates must be devastating the forests of northern Idaho.

Vis dar, kredito kortelės yra 21-ojo amžiaus gyvenimo faktas, ir ji turi prasmę tik suprasti, kaip juos naudoti protingai. Nors tai turbūt nepraktiška laikyti visą plastiką iš savo piniginės, būtų protinga apriboti kortelės numerį turite, ir, of course, to pay all balances in full every month. Indeed, having only a traditional American Express card, kuris neleidžia jums atlikti pusiausvyrą, gali būti puikus būdas nustatyti fiskalinę drausmę jums ir jūsų šeimai, nors, kaip viza skelbimai atkreipti dėmesį, ne visi sutinka, American Express. Už likusią mus, už ką kartais taškytis kredito kortelės skola, here are a few ways to keep your habit under control.

1. Take advantage of frequent-flier programs tied to credit cards, tačiau turėkite omenyje, kad palūkanų mokėjimai aukšto balanso gali greitai paversti “nemokamai” skrydžiai į Perdaug brangiausius. At a dollar per mile, running up a debt of 25,000 may get you a plane ticket, but it will also saddle you with $4,500 in yearly interest payments, assuming an 18% annual rate.

2. Look very closely at credit-card offers before you bite. Obviously, most of those 2.99% ir 3.99% rates will be in effect for only a few months. But there may be other catches as well. Making a late payment, even if it arrives only a day after it was due, may immediately trigger a permanent rate hike. Also, low initial rates sometimes apply only to transferred balances, and you could get charged a fee for making the transfer. Check, too, to see whether there is an annual fee, or charges for exceeding your credit limit or even for closing an account.

3. Avoid amazing grace-period tricks. What you’re looking for is a provision that says you’ll never be charged interest as long as you pay your bill in full by the due date. Tačiau kai kurios kortos neturi lengvatinis laikotarpis, Apskaičiuojant palūkanas nuo to momento, kad pirkti, while others give you only a limited time after making a charge before interest is imposed. That period of 20 days or so may end before your payment is due.

4. Don’t forget to cancel cards you no longer use. If you don’t, they’ll show up on credit reports, and that could be a problem, particularly if you’re applying for a home mortgage. Your would-be lender may be reluctant to make a loan to someone who has a cumulative credit-card limit of $50,000, $100,000, or even more.