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Flexibility and many benefits offered by credit card partially offset by the danger either temptation to buy and live outside capabilities. In addition, the use and dangers of credit card fraud, then wise action that we can do is:

Do not have too many credit cards. Possess many credit cards would cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards only if you want to have. If you have more than that, you should immediately close the other credit card. Considerations in choosing a credit card which will be maintained, among others, interest rate credit card, credit card limits and benefits offered.

Budget funds for credit cards. In preparing the budget, enter maksimalyang funds may be used by credit card.

Recording purchases using credit cards. With a record will help you determine how much you should pay so that will help limit the amount of purchase. This entry can be matched with invoices to ensure whether the right to purchase it.

Try to always pay the full bill. This is useful so that you are not burdened by a large flower. Do not be tempted to pay a minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off the debt by being more frugal.

Avoid using credit cards to withdraw cash. Credit cards can indeed be used to withdraw cash at an ATM, but this is not free. You must pay interest on the cash withdrawal value may be higher than the rate for spending.

Beware of credit card fraud. Mode of credit card fraud increasingly diverse either by phone or internet. So keep careful not notify the credit card number, expiration date, or other information to strangers. Nor should lend credit card to another person.

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