As I have said in the last post about credit card and the finance that has been becoming easier and easier by the existence of credit card as now day payment tool. But it will become the other difficult thing for credit card holder when they are unable to control their outcome. Even mote using too many credit card and use all of them interrupted by numbers of credit card bill and finally force them to do the other way to pay all of these bills to get cheaper payment. One of the way which has been become common way for tricking in doing credit card bills payment is Credit card bill consolidation.

That is why the ability to manage our finance is absolutely needed especially in using our credit card. Here are some tips how to use credit card:

1. Using credit card only when we are don’t have any cash to pay an emergency payment such as for visiting doctor, for fixing car or the other emergency payment

2. Don’t get credit card for promotional prizes. As you may have known that credit card carriers will do many things to get debtors. One of the way is by offering promotional prizes that will make people interested to own the credit card and use it as the rule for getting the prizes.

3. Make a comparison before you sure that you will need credit card. Find the comparisons you have to do in aspect to be compared before applying a credit card.

4. Knowing the rules of credit card that you own. It include the payment date to avoid late payment which will give you punishment with late charge.

5.  Don’t use credit card for need that not include as emergency need like lunch or buying movie ticket. This is related to your habit in using money.

6. Keeping your Credit card rating. You have to know that your credit card report can be to Equifax, Experian and TransUnion. When you have mistake with your credit card your rating will descend and it will make you difficult to get loan since the Equifax, Experian and TransUnion become reference for lender to know your credit card rating.

7. Read credit card statement. It is included Are all charges yours, interest rate, have you incurred any fee, the balance going up or down.

8. Keep On Balance. If you a student you don’t need to charge more than your ability to pay off in the end of each month. So the solution is you have to distinguish your want, evaluate which 0ne is important and which one is not.

9. Pay attention to warning given to you. This is very important to avooid the restruction that you may do.

Those are some tips that you can follow in using credit card and to avoid interrupted finance in your family.