How to Control the Use of Credit Cards...

its difficult to control credit cards thank god i don't have any credit card to use it and i am not eligible for credit card,when we have lots of money we can use credit card in all the ways because we can pay it in time if we don't have money to pay means where we have to go.so credit card are danger,i am a small spender so i wont use credit card.....in your case you dont carry credit card in your pocket or destroy all the cards so that you cant use it anymore cheers..

i got my first credit card more than ten years ago. like some new card holders, i went out and bought things i couldn't when i had no card. however, when the bill came and i couldn't pay, the interest alone scares me! thankfully my sister gave me a loan to clear my credit card debt. since then, i vow not to put myself in the same situation. i'm proud to say that i've paid my bill in full every month for the past ten years. the trick to doing it, is to buy what you can afford, just like paying in cash. i only buy an item when i have the money in my bank account. once i make the payment in card, i'll set the amount aside and not touch it. when the bill comes at the end of the month, the money set aside will be used to pay the bill.

cut up all the big box store credit cards you have. stay out of stores and only go when absolutely necessary. learn to be happy with the stuff you already have. if you have to go shopping, make a list. shop once only once a week for grocery (i meal plan according to sales) better still, only grocery shop once a month. use services like the library (they have awesome movies and video games too that you can get for free or for a small fee). what i tell myself is i don't need more stuff.

Firstly,Don't ever think of them as credit cards,but DEBT cards..You went into this situation with the intention of getting a credit history,and it sounds like you are getting caught in the debt spiral by what looks like Bargain hunting..Living by credit card purchases takes the skills of a surfer riding a wave..you have to be able to make use of the "Free Credit" window AND be able to repay before the due date.Go beyond that point and it's wipeout time..You need to stop hunting for "Bargains",and buying stuff you've never used..if You don't need it,or can do without it,don't buy it. You need to get yourself back to a place where you're only buying stuff as if you had the cash in hand. YOU have to be in control of the cash flow,not letting the bank have you on a chain..a lot of bank income is from the amount of interest they get from maxed out cards..If you have "Free Credit" periods on a new card,use them ONLY to make use of the 0% deal,and pay off the balance before the free time limit is up.Dump your junk mail adverts for recycling as soon as it comes in-don't look at it to get tempted. There are plenty of financial self help tools online..search for ones that'll tell you how long it would take you to pay off a credit card debt when you're unable to pay off the balance..KNOW your balances and which cards are charging you the highest rate,and take action to cut them down..if you can only pay the bank minimum repayment on a balance of a couple thousand,it can take decades..!

Here a tip try use them as a tool to make money and use site like my lots to start paying it back befor you use it that what i should of did there some great mlm out there that can bring in cash in a few years look how old shaklee, herblife, amway and mary kay is the company been there a long time and here other idea if you like o buy stuff on sale a lot of store do not have lay way any more make your own layway this is what I do my target is $200 I charge my self a 10% layway deposit that get deposit in to saving account and does not get touch then when i reach $200. i have fun ,just ingore the stuff on sale now there aways a sale going on some were .

Now we have a very good replacement for credit cards. It is the debit cards. Basically, a debit card can do almost everything a credit card can do. One thing that stands out the most is between using your own money and money that is not actually yours. Using debit cards will make sure you have the money to spend on your desired things. If you don't have money left, it will just reject your transaction. Then you would not be in debt.

I do not decide not to use a credit card, because doing so would defeat the purpose of having one and I use credit cards for all my purchases, but the secret is to think of it not as a credit card, but a debit card where the money is taken out immediately from your bank. Then in anticipation of a large purchase, I put the money first into a high interest savings account. and then just before I am about to purchase it, I put the money into my checking account and as soon as I make the purchase, if it is near the due date, I transfer the money. Oh I have ones with points and a couple with cash backs. And a major one with air mile points. The latter I use for major purchases.

In America i guess they preferred using credit card and they seldom use cash though maybe for small amount only unlike in our country in the Philippines we normally use cash and seldom use credit card, in my case when i used to have credit card specially if i go out to the mall and whenever i want something i just use my card until i found myself buried in credit card debt so i cut all of it and never used it again until i paid all my bills, now im just using cash nor debt card for my purchases and payment with my bills and more good coz at the end of the day i know i don't have any debt to pay and it makes me think nice and not irritated. Credit card is very tempting and temptation is everywhere. If i go out i only bring just enough cash and its already in budget like what we will going to do if we go out and estimate how much it will cost, i also didnt bring debit card with me so even if i wanted to buy things i know i cant buy it coz i don't have enough cash besides its just additional expenses for things i also didn't even use like bags, clothes nor shoes and other gadget. I only buy things if i really need to or if there's emergency. So if my money is already out and what left is just to pay for bus going home then that's the time i go home. If i also go for groceries or in the market i already have list of what to buy so if the item is not in the list then i don't bother to buy it.

I have never been a big spender, and I am very good at asking myself if I really need something. If I do not need it then I do not buy it. Especially when money is tight. There has been exactly 1 month in my 13 years of having a credit card that I did nto pay it off. In that instance I was starting a new job, and went 4 weeks without a paycheck and HAD to have my car repaired so I could get to said job. I paid it off the following month. Always ask yourself...first, Do I have the money for this? Do I need this item? Can buying this item wait? Do I have an immediate use for it? If you answer no to the first question then don't buy it. If you answer no to any 2 others of the questions, then don't buy it.

I would refrain from getting a credit card. But at times, we do need credit cards so I would go from debit card which helps me to curb my spending. I've always believe that a credit card will eventually lead me to debts because I will tend to overspend. So, to prevent that from happening, I chose debit cards!

I have more than one credit card, thus it would be very easy just to get lost in using both of it. So what I do is I rotate its use. This month, I'll be using my VISA card and then the whole amount due will be paid next month. The same month I will be using my MASTERCARD. Then the following month I will pay it in full, then the cycle starts again. Also, I keep track of what I spend. I try my best to work around my budget even if it is smaller than my credit limit. I just list down my spendings thru my credit card, have a running balance of how much budget I still have left and how much I can still charge on my credit card. That way, there's no surprises each time I open my statement of account. I also make sure to pay on time as these credit card companies are so quick to charge you with late charges, interest and other fees that will just melt my brain if I even try to understand their customer service.