Credits Cards… Some love these small plastic play things and some people would go to the end of the world to stay away from them…

I have been using one for about 5 years now without a problem… In fact the card company has been more then keen on excellent customer service, good promotional offers, and quick responses…

Infact in case one wants to enjoy the card then here are a few things that I personally feel should always be taken care of..
1) Always know your payment limit and spend only under that…
2) Keep some cash ready in your account, to pay for the bills…
3) Do not use a card because you do not have money, infact use it to save yourself the hassle of carrying money around…
4) While selecting a card, look for the best deals possible both immediate and in the longer run. 0% credit cards these days provide good deals and minimum rates of interest…
5) In case you have been using a card for a while, and have some amount pending… You can look for a better card which provides 0% balance transfers and switch for a better deal…

In the end it all depends on how you use it, you can use it for your convenience or make things worse… the choice is yours and of-course the card companies would always be around to facilitate your choice…

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