how to use credit card

if you can add a password to your credit card, then your card will definitely become safer and don't use your id no., cells no. or address as your password.

5 basic credit card safety tips: Never have more cards than you need While it is always advisable that you have more than 1 credit card, in case it gets lost, you should never have more credit cards than you actually need to use. The principal reason why this is the case is because it becomes harder to keep a track of which cards you have and where you have kept them with the more cards you have. Always keep a photocopy of your cards How many times have you been asked what you card number is only to find yourself looking for your card to get the number? Now, what happens if you have a card stolen and no credit card statement to-hand? You have a problem! For this reason, it is always best practice to take photocopies of you credit cards to so that always know where to find the number should anything unfortunate happen to your card. Always keep your receipts separate Among the most important of the basic credit card safety tips you’ll receive is never to keep your credit cards and credit card purchase receipts in the same place – because likely as not if you have lost your card, or if it is stolen, then you’ll have lost or stolen the receipts as well. Now there is no way for you to vouch which transactions were yours and which where not – or, there is no way to tell which was the last genuine transaction you made. Moreover, never keep a record of your PIN with your card, this is only asking for trouble! Never give your account number to someone you don’t know If you are ever asked to give your credit card details to someone you don’t know, or who as initiated a discussion with you (rather than the other way round) over the phone or via email, you should always refuse. Worst come to the worst, phone the card issuer and ask them if it is okay for you to divulge the information or phone the enquirer back. If the enquirer seems reluctant to accept this, you have to ask yourself why! Never leave your account details open to public viewing It may sound rather basic to say you should never let ‘Joe public’ see your credit card account details, but ask yourself this question: “How often have you received a publication subscription form in postcard format?” Now, suppose you complete this with your credit card details filled in. Suddenly half the world has access your credit card number, expiry date and signature! Although the above may sound like 5 basic credit card safety tips you already know, you would be surprised to see how many people fail to follow one or all of them! Thanks For raising such a good discussion.....! Happy Mylotting ! Take Care ! Ganesh !

I have two credit cards and I didn't ues them right and had put all most 2,000 dollars one both my cards put together. But them I found out how to use them I only use them if I already have the money in my account that way I know I can pay the card off and I use them in an emergency like I ran out of gas have no money on me and all I have is my credit card then I use it or me and my kids are out and my kids need to eat and I know it will take a while until we get home and I don't have and cash on me I use it then to.

Credit Cards are simple enough to use if you are responsible. If you would like to maintain good solid credit take your Credit Limit and find out what 30% and 35% of the Limit is. The range between the two is the limit you should use of the card. So if you had a $1000 Credit Limit the max you should use of it would be between 300 and 350 dollars. After you reach this limit you need to pay the credit card up before you use it again. In between reaching your goal make sure your making monthly payments (25 day cycles with most cards) and always try to pay at least double the minimum payment (usually 20 to 40 dollars for most cards.) Also make sure you are aware of all things about your Credit Card, so you know all your rates area and what interest you will be charged. If you keep up with the above method for awhile you will notice that getting bigger Credit Limits and better Credit will be easier. The most important thing though is making sure you can pay in the future for what you are buying today.