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Credit card providers are in the business of making money. They provide us with so called generous offers such as minimum monthly repayments on our balance. Whilst sometimes helpful, these ploys can land us in a cycle of spiraling debt.

If used correctly, credit cards can reward us with a supply of free credit without incurring any interest charges. As long as we repay our credit card balance in full, we can avoid interest charges all together. However, this type of controlled spending on credit cards is in the minority. Most credit card holders choose to pay, or cannot afford to pay, more than the minimum monthly repayment.

Even those who use their cards wisely can get into trouble quickly. All it takes is a large unexpected expense such as car repairs or household maintenance to get you into trouble. If you are unable to clear this large debt within a month or two you will start to pay interest on this amount. The longer it sits there the more the interest charges will accumulate.

In recent years we have seen credit card debt spiral out of control. Many people are living beyond their means and rarely if ever clearing their credit card debt. The interest charges on this type of debt are very high.

This cycle of debt can be difficult to get out of. Firstly, you need to be aware of just how much your debt is costing you. You then need to make a decision to increase your payments as much as possible whilst cutting back on spending.

Other things you can do to help ease the situation is to look at transferring your existing debt to a low rate credit card. Another thing to consider is transferring your balance to a good balance transfer credit card. These options may give you a little time to clear some of the debt whilst reducing the amount of interest you will be paying back.

Whilst paying the minimum monthly repayment only can seem helpful in the short term, we need to be aware that it can be very costly in the long term. Even if you’re unable to clear balance each month, paying as much as you can will ensure that you avoid certain debt.

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When you take out a cash advance from your credit card, you are simply borrowing against your credit card balance. The amount you can take out with a cash advance is usually determined as a percentage of your overall credit limit.

If you’re stuck and need cash quickly, your credit card can save the day. However, you should be aware of the downside of using cash advances in this way.

Things to be aware of when using credit card cash advances:

• Interest Free Period – The normal interest free periods that you are offered on your purchases, DO NOT apply to cash advances. You will start paying interest on this amount from the day you withdraw it.
• Interest Rate – The interest rate you will pay on a cash advance is in most cases substantially higher than your standard interest rate. In some cases, it is 8 to 10 percent higher. The most common interest rate for a cash advance is around 20 percent. This means, if you were to take a cash advance of $1,000, the interest you would pay is $200 per year.

Whilst credit card cash advances can be convenient, we should use them only in an emergency and not make a habit of sourcing cash in this way.

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Have you ever been at the checkout using your credit card and the operator informs you that your credit card has been declined. This can be an alarming moment. Have I reached my credit limit? Has my credit card been compromised?

If you have cash or another credit card you can complete your transaction with no further hassles and set about finding the reason why your credit card was declined.

Imagine that you are travelling overseas and this happens. Having a backup credit card can save a lot of headaches.

Most of us use our credit cards for just about every purchase we make both online and in stores. If you own only a single credit card this can cause immediate problems and hassles. If you need a replacement credit card, this can sometimes take up to a week. During this period you need to find other ways to fund your purchases.

We are all so used to the convenience that credit cards bring to our lives, that without them we would find it quite difficult. Many of us use our credit cards wisely making use of the many reward programs.

If you can pay your balance off in full each and every month, then there is no reason why a second credit card would not be a wise choice. For more advantagses of owning more than one credit card, check out our earlier article, Multiple Credit Cards – The advantages and disadvantages.

This should be a question we ask ourselves when making a purchase. Many people like to keep a supply of cash for making small purchases such as a cup of coffee. However, we should be paying by cash for moreIt is often too easy to pay with your credit card and deal with the bill later. However, this approach could be getting you into further credit card debt.

You should ask yourself the following questions?

Am I nearing my credit limit? Have I cleared my balance from last month? Am I able to pay off the credit card by the due date?

If you are up to date with your credit card payments and are able to clear your debts by the due date, then there’s no reason why you should not use your credit card for purchases.

If you still have unpaid debts on your credit card and are not paying your balance off in full each month, then you are better off to pay for your purchases with cash. By continually spending on a credit card which you are unable to pay off, you will only get yourself into further trouble.

Avoid Fees & Charges by using cash instead of your credit card.

Avoid paying interest on your purchases by using cash until you clear your current credit card debt.

Whilst using your credit card is a tempting and easy way of paying at the checkout. Stop and think about the consequenses of your actions. By using cash instead of your credit card, you can save you on extra fees and charges and avoid paying high interest rates.

In these uncertain times, you should be thinking about reducing any unnecessary debt. If you can you should be paying regular amounts off any credit card debt you have. For some useful tips on how to reduce your credit card debt faster check out our earlier article.

Managing Credit Card Debt