Want even more credit card numbers? Generate Credit Cards

MasterCard

  • 5134 3270 6713 0968
  • 5273 6662 6396 7751
  • 5138 9050 4690 7493
  • 5389 6426 0036 5570
  • 5281 3273 3483 2959

VISA

  • 4539 5590 5553 2250
  • 4539 6779 5281 9180
  • 4929 3259 7985 2242
  • 4024 0071 8087 5519
  • 4916 4123 7451 5437

AMEX

  • 3710 5885 6512 628
  • 3773 2265 6880 534
  • 3778 9021 0799 366
  • 3758 2740 0737 303
  • 3710 1459 3596 705

Discover

  • 6472 8494 9688 2164
  • 6576 9726 5807 6105
  • 6538 0026 0453 1206
  • 6451 8813 4139 7234
  • 6473 7467 4501 0184
Fake-ID.com | Keep Calm & Buy Fake ID Cards
Fake-ID.com | Keep Calm & Buy Fake ID Cards

Top 10 Tips to avoid heavy debts in credit cards

If you are reading this article, you are already in debt or are close to it. One way to avoid heavy debts is to cut off your card, but then you’ll lose the privileges that come along with it. The best way is to use the card as needed and pay the interest every month. Here are a few pointers that can help you benefit from your credit card for a long time:

1. Budget your Expenses: Prepare a monthly budget as per your income. Spend only on those things for which you can pay by cash also. Giving in to temptation is easier but it’s wiser to only spend on things you can afford.

2. Pay Interest every Month: There cannot be enough emphasis on this point. Never miss a monthly interest payment and try to cover the balance also every month or at least once in 2 months

3. Limited number of Cards: Keep a tight hold on the number of credit cards in your wallet. The more cards you have, the more probability of debts. If few cards have lesser interest rate and more facilities, try to close the others.

4. Do not Share Credit Cards: As much as you trust your friends n family, it is extremely unwise to share credit card. Not everyone will use it as budget plan. You will end up paying more interest on used credit.

5. Know your Rewards and Terms: If you are not aware of the terms and conditions of using rebate or reward points, you might end up paying more rather than less. Stay alert and don’t be fooled by numbers.

6. Choose Lower Interest Rate Cards: Different card issuers have different interest rates. Research well and get yourself a card that has lower interest rate and yet offers rewards and offers.

7. Transfer Balance: You must transfer balance from one credit card to another only if there is a noticeable lower interest rate. Don’t use balance transfer as an excuse to payment. You’ll end up increasing your debt in one card and worsen the situation.

8. Funds for Rainy Days: We all want the biggest plasma screens and latest gadgets, but not all electronics and accessories are affordable. Ensure that you always have emergency funds for days when you could not resist your temptations.

9. Use Cash when high on debts: If you have not paid your balance for more than 3 months, it’s best to start using cash instead of bulking up the debts. Using cash will give you a reality check and also the opportunity to save for paying off the debts.

10. Set a Credit Limit: When you get a new credit card, set a credit limit on the card with your card issuer. This will keep you informed when you have reached the limit and you won’t find yourself buried under unpayable debts.

If you are already in knee deep debts, try to make a payment plan with your credit card issuer. This will help you lead a normal life and will also make a better reputation with your creditors.