In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 4

(continued from part 3)

4. Balance

Make more than the minimum payment and avoid maxing out your card(s).

The best thing you can do with your credit card(s) is pay off the balance every month. Paying off the balance in full will make your charges less costly in the long run and will help to nullify the APR. Also, this keeps your card free for any emergencies.

Million-Dollar Networking Questions

Click here for a free pdf version.

Strong professional relationships are resources that can give you a competitive advantage in the 21st Century and one of the best ways to build professional relationships is via networking.

“But what do you say (or talk about) when you first meet someone?”

“What do you say (or do) when there’s a lull in the conversation?”

My response to both questions is the same.

Nine Words and Phrases Women Use

I would love to be able to take credit for this witty little piece, but I can’t. Someone forwarded it to me so I’m not sure who the original author is. Enjoy!

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 3

(continued from part 2)

3. Research and Choose Wisely

Shop around; know the terms and conditions before accepting a credit card offer.

I’ve come to the realization that a lot of times people don’t know what’s going on and they don’t want to know what’s going on… until it’s too late. As long as it’s easy and they can have what they want, that is good enough… until there’s a discrepancy.

Therein lies the self-imposed problem when it comes to credit cards. You have to know what’s going on if you’re going to get the best rates, be able to use your card to your advantage, and not get smacked with all kinds of fees you didn’t know about.

Did you know…

Delayed Gratification – The Lost Art

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 2

(continued from part 1)

2. Delayed Gratification and Impulse Control

Practice delayed gratification and impulse control to develop your money smarts.

We live in a “broadband” society. Everything is about high speed. Everything is about “now”. (Except for hard work- people always want to delay that, right?)

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 1

With a credit card here and a credit card there…here a card, there a card, everywhere a credit card. Old MacDonald had a card. E-I-E-I Oh my God! This has gotten out of hand. Most people, especially college students, are constantly being swarmed with credit card offers.

When is the last time you received a credit card offer? Yesterday? Last week? Or maybe it was sometime within the last month.

Did you know…