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Tuesday Tip – How to Use Credit Responsibly

According to a survey by Bankrate, only 33 percent of millennials have a credit card. Credit cards are an effective way to start the process of building credit. And if utilized properly, credit cards can be useful financial tools.  The way millennials understand and use credit will determine their credit scores, so learning early on how to use credit responsibly is vital. It is important that millennials learn responsible financial behaviors early on to ensure they don’t fall into credit card debt.

Tuesday Tip – How to Use Credit Responsibly

 

So, before millennials get in over their heads, here are some ways they can protect themselves learning how to use credit wisely:

 

  1. Don’t use credit cards to finance an unaffordable lifestyle
  2. Avoid using credit cards if you’re already in financial trouble
  3. Don’t get hooked on minimum payments
  4. Don’t run up your balance depending on a temporary “teaser” rate
  5. Make your credit card payments on time
  6. Avoid offers from credit card lendesr to bill services directly to your card
  7. Beware of unsolicited increases to your credit limit
  8. Don’t max out your cards

Building credit is an important skill for any. Just make sure if you are going to use credit, to use credit responsibly.

ABOUT AUTHOR / Madison

Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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