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By Jeremy M. Simon, financial analysts from Creditcards.com, a credit card for “just in case” is an intelligent action. This card can be useful when you suddenly have to pay something, while you do not have enough cash. So, if the additional card is not causing problems for you, like to encourage you to shop more often or cause of identity theft, you do not need to close this credit card.

Cards with new idle status will be disabled or at-block by credit card issuing bank if any transactions that you did not pay off for months. Which includes not only the expenditure transactions, but also the membership dues you pay every year. Usually, there will be a reminder to the bill that there are bills that must be resolved. If you promptly pay for it, of course your card remains active. If you still do not pay it off despite reminders, there will be notification that the credit card is not usable. At that time, the bank will automatically deactivate your card.

Nevertheless, let the credit card blank is actually just hurt you. You will be subject to annual fee every year, which should keep you pay for the card remains active. In addition, you also are not considered as a profitable customer, when your card “sep” only. As a result, the marketing of credit cards will be diligent bombard you with various programs. When you do not intend to take a particular program, a phone like this disturbing, is not it?

If you really want to have extra cards just in case, still the safest to use it to pay bills such as telephone, electricity, or insurance.

Make sure you always pay your bills on time and immediately paid off. According to Rod Griffin, director of public education from the credit bureaus Experian, two things is what will determine your credit score. Keeping your account remains active, use it for light spending, and pay it in full each month is a good way to maintain a credit score.

However, if you are not classified as customers who “benefit”, there is the possibility of issuing bank also will not offer a high limit. If the limit is limited only by credit card is not used, to what limits are greater?

There are tricks from Beth Kobliner, author of a column in the newspaper New York Times and best-selling book Get a Financial Life, to try to tame your credit card debt.

Do not Let the Flower
How do I? Pay your credit card bills on time and do it regularly every month. The bank and credit card issuer can not charge more if you are not late making payments.

In fact you can make a party can not lend at interest credit card credit card usage. How, go shopping and pay bills in the grace period. This interest-free grace period. Grace period usually applies for 25-30 days. Although some are reducing the grace period to 20-15 days. Some even do not give a grace period altogether. If this is the case, you must be prepared to pay more or paid any bills.

How to take advantage of this grace period? For example, the date of your bill payment due on 30th of each month. While the credit card bill every December 10. Which will be billed to you only transactions that occurred under the 10th (the date of 1-10). If you shop at between 11-30 December and paid well in those days, you managed to make the bill not protracted flowering.

So, the sooner you pay credit card bills, the more money you save (because you do not have to pay interest that continues to bloom). Delay in payments not only make you have to pay interest on a fairly stifling, but also make your credit score is less good.

Know Boundaries
Too often swipe credit cards at various events and discount sale often makes us forget that we have a credit limit. Imagine if three of your credit card usage exceeds the limit? How large a fine to be paid to all three credit? Whatever the amount, certainly can not leave you can shop in the next month.

This is what we often ignore. In fact, if you know the fine could reach 30 percent of the bill, you would think many times before swiping the card through over limit. The presumption that if using a credit card to pay over limit and prior to maturity, will not cause problems, you should leave.

Indeed, many credit card companies do not want to embarrass you and lose their customers so let the number of card usage could slightly exceed the limit. And, because there was no rejection, we also feel safe to megulanginya. Keep in mind, every time you use the card exceeds the credit limit, you will still be charged high interest plus penalties.

Pay More
Try to keep paying more, even if it means you pay more than the minimum payment required. And so on, the outstanding debt will more quickly go down and immediately hits zero. Once the credit card balance to zero, please use anymore. But, remember, do not slip again with credit card debt.