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Topic	Any credit card tips I should know of?
Hexenherz 01/20/20 1:37:07 PM #16:	krazychao5 posted... Personally, I'd put everything on the card (I do) that can be purchased with card. Don't ever use your debit card, only to withdraw from the ATM. The bank will screw you over if your card gets skimmed or something. Pay it off every month, get a card with rewards, build your credit and your rewards. Every quarter or so, redeem your rewards as a credit towards your balance. And when I say use it for everything, I mean only for things that you would normally buy and can afford. It's not free money. You have about 30 days to pay off your purchase you just made. I also use my card for everything now, but I just recommend someone who's starting out to more slowly develop good spending habits - it is really easy to fall into the trap of "I'm going to use this for everything!" and then you check your checking account and still see a bunch of money there and so you spend even more and now you're putting a dent into your savings unexpectedly. --- FFXIV: Lucius Hexenseele (Brynhildr) \| RS3: UltimaSuende . 99 WC/Fish/Cook/Fletch/Div/Mining/Smithing/Thieving/Crafting https://letterboxd.com/BMovieBro/ <cite>Hexenherz posted [p:933227920] in Any credit... [t:78343800]...</cite> <quote>krazychao5 posted... </cite> <quote>Personally, I'd put everything on the card (I do) that can be purchased with card. Don't ever use your debit card, only to withdraw from the ATM. The bank will screw you over if your card gets skimmed or something. Pay it off every month, get a card with rewards, build your credit and your rewards. Every quarter or so, redeem your rewards as a credit towards your balance. And when I say use it for everything, I mean only for things that you would normally buy and can afford. It's not free money. You have about 30 days to pay off your purchase you just made.</quote> I also use my card for everything now, but I just recommend someone who's starting out to more slowly develop good spending habits - it is really easy to fall into the trap of "I'm going to use this for everything!" and then you check your checking account and still see a bunch of money there and so you spend even more and now you're putting a dent into your savings unexpectedly. --- FFXIV: Lucius Hexenseele (Brynhildr) \| RS3: UltimaSuende . 99 WC/Fish/Cook/Fletch/Div/Mining/Smithing/Thieving/Crafting https://letterboxd.com/BMovieBro/</quote> ... Copied to Clipboard!
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