Credit Card Help – Tips To Take Control Of Your Credit Card

Are you in search of credit card help? If so, you have come to the right place – consider Credit Card Finder® your personal credit card helper! Our credit card tips below will blow away the cobwebs of confusion and help you to manage your credit cards with ease from now on.

What it boils to is using common sense and being aware of the terms and conditions of the credit card you are using. Many consumers fail to notice important fees before they sign up for a card and as a result they acquire debt.

15 Credit card help tips for the everyday consumer:

Here is a shortcut to some interesting articles for each topic outlined below:

1. Start with the right credit card
2. Stay away from using cash advances
3. Be wary of introductory credit card offers that seem to good to be true.
4. Know thy interest free terms
5. Rewards cards anyone?
6. Why you need to pay your credit card in full each month
7. Consider low interest fee cards
8. Keep security minded at all times
9. Work your credit card in your favour
10. Why debit is good for some people
11. When a balance transfer card is right
12. Why store credit cards suck!
13. Shop around to get the best deal
14. Credit cards for bad credit
15. When all else fails check out these badass finance sites.

1. Start with the right credit card:

It is obvious that in order to get credit card help you need to settle for a card that is right for your current financial situation. It is no good to choose a 55 days interest free credit card if you don’t intend to pay off your card in full each month.

2. Stay away from using cash advances:

There is a simple reason for this warning! They suck and they are expensive. Interest rates calculated on cash advances are very high. Unless you have an emergency, leave these for losers.

3. Be wary of misleading introductory credit card offers:

Sweet credit card deals are commonly referred to as the introductory periods for interest free periods on balance transfer cards. I’m not saying you shouldn’t use them. As a matter of fact I think these deals are great.

But what many consumers fail to notice is that they revert to a much higher interest rate after the sweet deal has reached its use-by date (usually after six months).

4. Know thy interest free terms:

A 55 day interest free credit card is great for users who pay off their credit card in full each month. The moment you fail to do this with those cards you will lose that privilege. A lot of people don’t know this.

By reading the terms on the card issuers application pages you will be better informed.

5. Rewards cards anyone?

Rewards cards are the secret weapon of many consumers who use credit cards to their own advantage and you can too. Credit card help tips such as this one can make the difference between being in debt and taking control of your finances.

The secret to choosing the right rewards card is to make sure the reward is beneficial to you.

6. Why you need to pay your credit card in full each month:

Paying off your card in full is the best credit card help you can give yourself. That way you will avoid debt and expensive interest rates and penalties. If you currently struggle to pay off your card in full every month you need to find a better way to budget your finances.

The first step is by cutting back on your expenses. If you spend more than you earn you end up with debt.

7. Consider low interest fee cards:

Low interest rate cards are ideal if you are unable to repay your credit card balance in full when the bill is due. A few interest percentages can make a huge difference in the possible savings. When comparing low interest fee cards against one another be sure to pay attention to the hidden fees too.

Consider the annual card cost, the penalty fees and any other applicable cost before you decide on the one card.

8. Keep security minded at all times:

Credit card security has reached a new era with more reports featuring in the media each week. It is essential to treat your credit card with care and never let it out of sight. Being security minded is a must-have in this day and age simply for the fact that thieves are getting smarter and more canny by the minute.

9. Work your credit card in your favour:

Taking advantage of credit cards is easier than you think. By using a rewards credit card that offers a 55 day interest free period and paying if off in full each month you can get the most benefit for your money.

Add to this a home loan, an investment loan and you get your credit card for free with no annual charge. Who knew that spending other people’s money could be so much fun while staying debt free.

10. Why debit is good for some people:

Debit cards are ideal for people with hopeless money management skills. If you always end up with debt then consider using a debit card instead of a credit card.

You will be forced to save your money before you spend it – a great education in finances.

11. When a balance transfer card is right:

If your existing credit card charges high interest fees on your debt it’s time to make the move to a balance transfer card with 0% interest for at least six months. The idea is to move your debt and then pay it off in that time frame.

It will save you hundreds of dollars in the process if not more.

12. Why store credit cards suck!

The problem with store issued credit cards is that they are too easy to get, they have too high interest rate charges and the traps of buy no pay later suck thousands of people into debt.

Did you know that falling for these deals is very costly?

Unless you intend to repay the money when the bill is due, stay well clear of store credit cards.

13. Shop around to get the best deal:

Shopping around for credit cards makes sense. Doing so will save you money. The great part about research is that you can do this all from the comfort of your home. Start here by reading these credit card help tips and compare cards based on their profiles.

14. Credit cards for bad credit:

Bad credit – credit cards can help you rectify your credit file. These babies are a helpful tool when things are not so good and you get rejected from lenders because of your negative credit rating.

15. When all else fails check out these badass finance sites:

Our badass finance showdown will show you the meanest and baddest (in a good sense of course) of finance blogs and websites. These guys have all one thing in common; they simply rock!

This brings our credit card help tips to an end. Hopefully by now you found enough direction to take matters into your own hands to a better credit experience.

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%