How To Use Credit Cards
Credit Card abuse helped get our economy in the sad shape it's in and proper credit card use will help get us out. By using this three step approach you can easily manage your use of credit cards without overspending and improving your credit score at the same time.
Daily Credit Card - You should have one credit card for every day purchases like groceries, eating out, pharmacy, etc. Keep a close tab on your balance for you will pay this card off in full each month.
Gas Credit Card - You need one credit card for all your gas purchases for you and your entire family. Again this card will be paid off in full each month.
Emergency or Big Purchase Credit Cards - This credit card is for those unexpected purchases such as a new air conditioning, the refrigerator goes out, etc. This credit card should have the lowest interest rate of the three because you may not be able to pay it off in one month. However, plan to pay it off as quickly as possible.
That's it, plain and simple. You only need three credit cards which by following these simple steps you can manage very easily. In addition, if you keep control of this credit and any other debt you may have you will establish an excellent credit rating.
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