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How to Avoid 10 Habits of Credit Card Debt



How to avoid 10 habits of credit card debt:


1. Read the fine print. Understand all the terms before opening a new credit card.


2. Stay on budget. Using your credit card must figure into your budget, not as an extra.


3. Check your accounts. By checking your accounts regularly, you can spot fraud or errors more easily.


4. Don’t miss payments. Set up reminder or automatic payments from your bank account.


5. Pay off the balance. Avoid interest altogether and build a positive credit history by paying off your balance each month.


6. Know your credit usage. Use less than 30% of your available credit but don’t let it sit idly so that you get the most out of your card.


7. Avoid cash advances. Cash advances mean lots of extra charges, interest and points to a larger financial issue.


8. Think before buying. Avoid impulse shopping and credit card debt by taking time to think through large purchases. Do I really need this? Does it fit in my budget?


9. Make a plan. Once you understand the rules, create a plan to best use the credit card. EMERGENCIES ONLY. GAS & GROCERIES. 1 PURCHASE A MONTH


10. Stay accountable. Reach out for help to avoid drowning in credit card debt.


For more information on how to better manage credit card debt, call 800-769-3571


ACCC - The Credit Counseling Professionals

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American Consumer Credit Counseling (ACCC) is a non-profit debt relief agency offering consolidated credit counseling and consumer debt solutions. If you have debt to consolidate, we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service, our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors. As a leading national debt consolidation firm, ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education. Homepage Footer: American Consumer Credit Counseling (ACCC) is a non-profit credit counseling agency and debt consolidation company that provides help to anyone who is asking, "How do I get out of debt?" Our services include credit counseling, financial education, debt consolidation and debt reduction services for consumers nationwide. Our certified credit counselors have helped thousands of individuals and families find debt relief through debt management plans that consolidate debts and debt payments to pay off credit cards and eliminate debt. We also provide bankruptcy counseling and bankruptcy debtor education services, including pre bankruptcy credit counseling for a bankruptcy certificate.

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