கிரெடிட் கார்டு சோதனைகள் | மனித நூலகம் EP:2 | Credit Card

மனிதர்களின் மனதினை படிக்க எங்கள் மனித நூலகத்திற்கு உங்களை அன்புடன் வரவேற்க்கிடறோம்.
கிரெடிட் கார்டு சோதனைகள் | Credit Card | மனித நூலகம் EP:2 #sarakkurail
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How to use credit card:
1. **Budgeting**: Set a monthly spending limit that aligns with your income to avoid overspending.
2. **Timely Payments**: Always pay your credit card bill on time to avoid late fees and maintain a good credit score.
3. **Monitor Statements**: Regularly check your statements for unauthorized charges or errors.
4. **Utilize Rewards**: Take advantage of cashback, points, or airline miles offered by your card issuer.
5. **Pay in Full**: Whenever possible, pay off your balance in full to avoid accruing interest charges.
How not to use credit cards:
1. **Avoid Maxing Out**: Don't use your credit card to its limit; aim to keep your credit utilization ratio below 30%.
2. **Impulse Purchases**: Refrain from making spontaneous purchases you can't afford to pay off promptly.
3. **Minimum Payments**: Avoid paying only the minimum amount due, as it leads to long-term debt and higher interest charges.
4. **Ignoring Statements**: Always review your monthly statements to catch any unauthorized transactions or errors promptly.
5. **Cash Advances**: Minimize or avoid cash advances, as they often come with high fees and immediate interest charges.
Tags:
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