Friday, October 31, 2008

Did you use your Credit card for Good Thing?

Ok. How to use your credit for Good thing?

Build up your credit score. In order to build your credit to prove your creditworthiness to potential lenders, you need to use credit responsibly and consistently.

Use credit in an emergency. While it always is best to have a savings fund set aside for emergencies, credit can be used when an unexpected expense arises and you have no other option.

Consolidate your debt. You can use a loan or a credit card to consolidate multiple debts into one so that your finances are simplified.

Shop securely online. A credit (or debit) card is nearly essential for online shopping.

Track family spending with credit cards. If each family member has his or her own credit with which to make purchases, you can figure out exactly where your money is going and how you might be able to cut back.

Turn a credit card into a low-interest loan. If you have a credit card with a low interest rate attached, then you might consider using it to fund a somewhat large purchase that would require another loan anyway.

Use a loan to make a big, necessary purchase. If it was not for credit, most people would never be able to buy a house.

Use a credit card for safety. Especially when out of town or planning to make a large purchase, a credit card eliminates the need to carry around large sums of money.

Use a credit card for convenience. Especially when out of town or planning to make a large purchase, a credit card eliminates the need to carry around large sums of money.

Make a purchase that appreciates in value. A mortgage loan is considered a “good” debt because homes generally appreciate in value over time.

Earn rewards or cash back. You can get something in return for the purchases that you make anyway if you put them on a credit card with rewards. In fact, you might even want to volunteer to put others’ purchases on your own card – so long as you trust them, of course.

Take advantage of 0% APR. If you have credit card debt that you would be able to pay off if not for that pesky interest, then consolidating your debt onto a new credit card with a low introductory APR might be just what you need.

Take advantage of tax breaks. Some types of debts, such as mortgage loans and student loans, allow you tax breaks.

44 comments:

Anonymous said...

Good day !.
You may , probably very interested to know how one can collect a huge starting capital .
There is no initial capital needed You may start to receive yields with as small sum of money as 20-100 dollars.

AimTrust is what you haven`t ever dreamt of such a chance to become rich
The firm represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with offices everywhere: In USA, Canada, Cyprus.
Do you want to become a happy investor?
That`s your chance That`s what you desire!

I`m happy and lucky, I started to get income with the help of this company,
and I invite you to do the same. If it gets down to select a proper companion utilizes your funds in a right way - that`s AimTrust!.
I take now up to 2G every day, and my first deposit was 1 grand only!
It`s easy to start , just click this link http://oryvawopeb.ibnsites.com/muvafu.html
and go! Let`s take our chance together to feel the smell of real money

Anonymous said...

Hello !.
might , probably curious to know how one can manage to receive high yields .
There is no need to invest much at first. You may commense earning with as small sum of money as 20-100 dollars.

AimTrust is what you haven`t ever dreamt of such a chance to become rich
The firm incorporates an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

It is based in Panama with offices around the world.
Do you want to become an affluent person?
That`s your chance That`s what you desire!

I`m happy and lucky, I started to take up real money with the help of this company,
and I invite you to do the same. If it gets down to select a correct partner utilizes your money in a right way - that`s AimTrust!.
I make 2G daily, and my first investment was 500 dollars only!
It`s easy to start , just click this link http://kibehatobe.kogaryu.com/irywywe.html
and lucky you`re! Let`s take this option together to feel the smell of real money

Anonymous said...

Hi there!
I would like to burn a theme at this forum. There is such a thing, called HYIP, or High Yield Investment Program. It reminds of ponzy-like structure, but in rare cases one may happen to meet a company that really pays up to 2% daily not on invested money, but from real profits.

For quite a long time, I earn money with the help of these programs.
I don't have problems with money now, but there are heights that must be conquered . I make 2G daily, and my first investment was 500 dollars only.
Right now, I managed to catch a guaranteed variant to make a sharp rise . Visit my blog to get additional info.

[url=http://theblogmoney.com] Online investment blog[/url]

Anonymous said...

Hello everyone!
I would like to burn a theme at this forum. There is such a nicey, called HYIP, or High Yield Investment Program. It reminds of financial piramyde, but in rare cases one may happen to meet a company that really pays up to 2% daily not on invested money, but from real profits.

For quite a long time, I earn money with the help of these programs.
I don't have problems with money now, but there are heights that must be conquered . I get now up to 2G a day , and my first investment was 500 dollars only.
Right now, I'm very close at catching at last a guaranteed variant to make a sharp rise . Visit my blog to get additional info.

http://theinvestblog.com [url=http://theinvestblog.com]Online Investment Blog[/url]

Anonymous said...

Good day, sun shines!
There have been times of troubles when I didn't know about opportunities of getting high yields on investments. I was a dump and downright stupid person.
I have never thought that there weren't any need in big starting capital.
Nowadays, I feel good, I started to get real income.
It's all about how to select a correct partner who utilizes your funds in a right way - that is incorporate it in real deals, and shares the income with me.

You can ask, if there are such firms? I have to tell the truth, YES, there are. Please be informed of one of them:
http://theinvestblog.com [url=http://theinvestblog.com]Online Investment Blog[/url]

Anonymous said...

Good day!

Let me introduce myself,
my name is Peter.
Generally I’m a social gmabler. for a long time I’m keen on online-casino and poker.
Not long time ago I started my own blog, where I describe my virtual adventures.
Probably, it will be interesting for you to find out about my progress.
Please visit my blog. http://allbestcasino.com I’ll be glad would you find time to leave your comments.

hyprobulksms said...

The best method to reduce your dept just using SMS!

Debt Relief said...

A lot of people are struggling now with credit cards that started as 0%APR and now are 20% and plus.
Like you said you should take advantage of those APRs to lower the interest in the credit card you already have with high balance, and start trying to pay them as soon as you can, before they go to a higher APR.

Anonymous said...

"sometimes individuals right here the phrases world-wide-web advertising and marketing and they believe, yahoo and google or fb or myspace, but there is a huge amount of other methods to actually marketplace a internet site or business and get your way up there like myspace did."

Jai Montana said...

nice blog

African Mango said...

It's so refreshing to find articles like the ones you post on your site. Very informative reading.

bad credit loans guaranteed approval said...

I seldom use my credit card because i'm afraid that I might be buried with debt. lolz

Anonymous said...

I'm really enjoying the design and layout of your website. It's a very easy on the eyes which makes it much more enjoyable for
me to come here and visit more often. Did you hire
out a designer to create your theme? Great work!
My website :: http://xonlinexslots.wordpress.com/2012/11/12/why-on-the-internet-games-slots-are-a-excellent-choice-for-players

Anonymous said...

Hey there! I know this is kinda off topic but I was wondering which blog platform are you using for this site?
I'm getting fed up of Wordpress because I've had issues with hackers and I'm looking at alternatives for another platform. I would be awesome if you could point me in the direction of a good platform.

My web blog; healthy diet
Also see my web page :: diets That work

Anonymous said...

It's an amazing piece of writing in favor of all the online visitors; they will get advantage from it I am sure.

Also visit my blog post - declaring bankruptcy in florida

Anonymous said...

Wοw, superb blog layout! Hoω long
havе you been blogging for? you make blogging
look easy. The oѵеrаll looκ оf youг
ωebsitе is mаgnіficent, aѕ well aѕ the
content!

Chесk out my blog pοst; hcg diet side effects
My site - relevant website

Anonymous said...

I'm amazed, I must say. Rarely do I come across a blog that's equally educative and amusing, and
let me tell you, you have hit the nail on the head. The problem is something which not enough people are speaking intelligently about.
Now i'm very happy I came across this in my search for something concerning this.

Feel free to visit my weblog :: Cedar finance review

Anonymous said...

My family all the time say that I am killing my time here at net, however I know I
am getting know-how every day by reading thes
pleasant content.

My web page :: earn money fast online free

Anonymous said...

Howdy! Do you use Twitter? I'd like to follow you if that would be okay. I'm undoubtedly enjoying your blog and look forward
to new updates.

Feel free to visit my webpage: i want to make money

Anonymous said...

Howdy! Do you use Twitter? I'd like to follow you if that would be okay. I'm
undoubtedly enjoying your blog and look forward to new updates.


Visit my site i want to make money

Anonymous said...

You could certainly see your expertise within the work
you write. The world hopes for more passionate writers like you who aren't afraid to say how they believe. All the time go after your heart.

My web blog orquesta atraccion

Anonymous said...

Great website. Lots of helpful info here. I'm sending it to a few pals ans additionally sharing in delicious. And of course, thank you in your effort!

Feel free to visit my web page binary options

Anonymous said...

Thank you for sharing your thoughts. I truly appreciate your efforts and I will be waiting
for your next post thank you once again.

Here is my webpage :: cedar finace

Anonymous said...

My family all the time say that I am wasting
my time here at web, however I know I am getting experience every day by reading
thes fastidious articles or reviews.

My web page costs of dental implants

Anonymous said...

It is perfect time to make some plans for the longer term and it's time to be happy. I've read this post and if
I may just I want to counsel you few interesting things or tips.
Maybe you could write subsequent articles relating to this article.

I desire to learn even more things about it!

Also visit my homepage; affordable-dental-plan.org

Anonymous said...

Remarkable things here. I am very happy to peer your article.
Thank you so much and I'm taking a look forward to touch you. Will you kindly drop me a mail?

Visit my page; http://www.myaccessindia.com/index.php?p=blogs/viewstory/112037

Anonymous said...

66Ghz Dual Core processor, 16GB of storage and a 12. The HTC Evo 3D was always
going to be a great phone but in order to be successful it needs suitable software
to back it up. Many years in the past the user had to write their programming
code manually, using some cryptic codes.

Feel free to visit my site - samsung chromebook review

Anonymous said...

Sales of the Kindle Fire are going better than expected.
, the Samsung Galaxy S came in one available option,
which also became a huge hit. Like the Apple i - Pad Keyboard Dock
listed above, the Logitech Android Keyboard has many tablet-friendly features.


Stop by my web site; samsung galaxy tab

Anonymous said...

Sales of the Kindle Fire are going better than expected.

, the Samsung Galaxy S came in one available option, which also became a huge hit.

Like the Apple i - Pad Keyboard Dock listed above, the Logitech Android Keyboard has many tablet-friendly features.


Also visit my website - samsung galaxy tab

Anonymous said...

I do consider all the concepts you have introduced
in your post. They're really convincing and can certainly work. Nonetheless, the posts are too brief for novices. Could you please lengthen them a little from subsequent time? Thanks for the post.

Here is my weblog :: semenax

Anonymous said...

Hello! I'm at work browsing your blog from my new iphone 3gs! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the excellent work!

Take a look at my blog: pirater un compte facebook

Anonymous said...

5 MP is excellent resolution, but where and how can
you achieve it. Some as well as components of the Nikon D700 are these:.
Compared to the standard prices of camcorders,
a DSLR holds its own.

my weblog: canon 5d mark iii

Anonymous said...

What's up friends, its impressive piece of writing regarding educationand fully defined, keep it up all the time.

Also visit my site ... Discount Codes

Anonymous said...

However it is not so with the new Samsung Galaxy Note 2.
Who knows, maybe you can start a twelve string revival. 3 Mp, the camera
is clearly aimed at competing with other semi-high range cameras, not those that compete with those inside a smartphone or tablet.



Take a look at my web blog galaxy note 10.1

Anonymous said...

If some one wants to be updated with latest technologies then he must
be visit this site and be up to date all the time.


Here is my web page - book of raw kostenlos spielen

Anonymous said...

Hey I discovered this web site to be really interesting!
Bookmarked!

my webpage why am i not getting pregnant

Anonymous said...

So it really is greater to decide a 5-8 mega pixel cam and
pay out far more consideration to the Nikon digital camera batteries in its place.

A great side pan requires that the camera travel together with the subject in both X and Y-axis.

Nikon the digital camera giant has recently added one more exquisite DSLR camera
to its latest camera family.

My web-site - d7100

Anonymous said...

Pretty! This has been a really wonderful post. Thank
you for supplying this information.

Check out my web blog - Reebok Nano 2.0

Anonymous said...

Greetings! Very useful advice within this post!
It is the little changes that produce the most significant changes.
Thanks for sharing!

Here is my homepage; stall mats for gym floor

Anonymous said...

I every time used to read piece of writing in news papers but now as I am
a user of internet therefore from now I am using net for articles
or reviews, thanks to web.

Also visit my web site :: www.xpornking.info

Anonymous said...

It's appropriate time to make some plans for the future and it's time to be happy.


I've read this post and if I could I want to suggest you some interesting things or advice. Perhaps you can write next articles referring to this article. I desire to read even more things about it!

Also visit my blog - find realtors

Anonymous said...

Woah! I'm really enjoying the template/theme of this blog.
It's simple, yet effective. A lot of times it's tough to
get that "perfect balance" between superb usability and visual appearance.
I must say that you've done a awesome job with this.

Also, the blog loads super fast for me on Internet explorer.

Exceptional Blog!

Feel free to surf to my blog - auto insurance florida []

Anonymous said...

What's up, I log on to your blog like every week. Your story-telling style is witty, keep up the good work!

Have a look at my homepage - scottsdale school of culinary arts ()

Anonymous said...

Great post.

Check out my weblog: garage rubber mats