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| Advice For Using Credit Responsibly |
 Pay on time.
A lot of people send in their payments on the due date. That is not very good way. It is better to send in your payments well before the due date. The credit card companies are not responsible for the amount of time it takes for a bill to arrive at their door. Be sure that your payment is in the mail at least 7 days before the due date to guarantee fast delivery.
Sign up for online payment through your bank, if you have access to a computer. Many banks now propose online bill payment free of charge. If your bank does not propose this priceless service, or if they charge for the service, it is time to switch banks. Online bill payments usually need no more than 2 business days to get to your creditor.
Keep records of payments
Sometimes your account is not credited when payments are made. You need to keep a record of every payment made incase of a mistake on the creditor's part. Your only defense is the proof that you possess. Make sure you have all records of your payments.
Examine your statements.
Every time you get a statement from your credit card company, sit down and examine it. A lot of people don't examine their credit card statements. Make sure that all purchases that appear on the statement were performed or approved by you. You should immediately call your credit card company to argue, if a purchase that you've never made appears on your statement.
Spend reasonably.
A lot of people think that a credit card is free money but it isn't. Your credit card is not free money. As a matter of fact, if not used reasonably you end up paying more for the items your purchase by using a credit card than in cash. Don't make light-headed purchases with your credit card. Ask yourself if you really need that new pair of shoes, or if you really want another pair of jeans. The most essential thing to remember is that you have to stay on top of your finances and credit. Don't allow your spending habits to control you.
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