Top Credit Cards Usage Tips
Credit card is a considered to be an important and effective financial tool when its owner doesn’t possess relevant amount of cash for purchases. Here are Top Credit Cards Usage Tips, enabling you to learn few smart ways to use credit cards.
Where credit card could act like a substitute of cash but it should be used properly as one need to pay interest on the credit card expenses till he/she make payment of the principal amount. So it is really important to use this financial tool really safely to reduce the risk of high credit card bill. Checkout 10 Top Credit Cards Usage Tips For 2018 and learn how to use credit card properly.
10 Top Credit Cards Usage Tips
1. Make use of credit cards when actual need arises and not just because you want to use it. If you are addicted to use credit card, learn to avoid making transactions through credit card as you need to pay interest on your transections.
2. If you want to make a budget of your spending of every month then you can use credit card as a budgeting tool by making payments through it you can see at the end of the month, how much have you spend.
3. If you are making regular use of your card then don’t forget to get the one which offers reward on purchasing regularly and this will reduce your interest rate and many offers you can avail such as cash, airline miles etc.
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4. Always try to make use of one or two cards and if you feel that carrying a card may provoke you spend more try to leave it at home. This is the only way to avoid usage of your issued credit card.
5. Use your bank ATM machines because they won’t charge you extra service amount but if you will use other bank’s ATM machines then extra service charge will be deducted from your account.
6. Try to pay your credit card dues on time and avoid late payment to reduce the burden of high interest payment and other penalties.
7. Do not make purchase from credit card through unknown websites as this may result in fraudulent and unethical activities.
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8. Decide before going for purchasing that whether you can afford those buying’s or not and if you are making payment through credit card, make sure you will be able to pay the credit card bill on time.
9. If you don’t have the habit to check your credit card account regularly, automate the fraud detection procedure.
If you don’t regularly check your credit card account, you can automate the fraud detection process. Many large card issuers offer the customers to set up mobile alerts, enabling you to get notifications:
- When you’re reaching your credit limit.
- If the company notices some unusual activity, like spending amount that doesn’t fit your usual pattern, or transactions in unfamiliar locations.
- You can also set the fraud detection procedure for large purchases.
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10. Request your credit card company to increase your credit card limit. With higher card limit enables you to increase your available credit and this in turn results in reducing your utilization in the process. To avail such benefits, make sure you don’t use the additional credit available to you. Here are some of the best credit cards from which you can choose.
Best Credit Cards In India For 2018
1. Standard Chartered Platinum Rewards Card ( Standard Chartered Credit Card )
2. ICICI Instant Platinum Card ( ICICI Bank Credit Card Customer Care Number )
3. Standard Chartered Manhattan Credit Card
4. SBI Simply Click Credit Card ( SBI Credit Card Customer Care Number )
5. Citibank Cashback Credit Card ( Citibank Credit Card Customer Care )
6. Standard Chartered Super Value Titanium Credit Card
7. American Express Gold Card ( American Express Credit Cards Customer Care )
8. Amex Platinum Travel Credit Card
9. Citibank Premier miles Credit Card
10. HDFC Diner Credit Card ( HDFC Bank Credit Card Customer Care Number )
Therefore you can make use of these plastic cards worldwide but should not ignore the fact that misusing of the card may cause problems for you in near future, so think before using it. These are the 10 Top Credit Cards Usage Tips For 2018, for more interesting facts, stay in touch with us through our web portal.
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