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Managing your Credit Card

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Credit cards can provide convenient access to funds but it's important they are used in a responsible manner. Check out these credit card management tips.


Yes Ask yourself - am I using this credit card for convenience or necessity?
Yes Pay off your card balances each month.
Yes Keep a record of any telephone credit card transactions and keep receipts until the statement comes in and you can reconcile.
Yes Be aware of your credit limit, consider a personal loan if you are carrying a balance regularly.


No Be tempted to increase your credit limit and thus continue to build greater debts.
No Make too many cash withdrawals from a credit card as charges may be higher for these cash advance transactions.
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