Proper Use of Credit Cards

[cellularis]

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just pay it on time para dli daku interest...

[hacxcena]

Don't use credit cards. Always pay in cash in that sway you avoid debt. Credit cards is useful in emergency purposes only. And sakto na don't use it to buy liabilities.

[love2travel]

pay your bills in full and on time... you can also avail of 0% interest installment schemes for your needs

[darkcrux]

Best way is to not use your credit card at all.. always remember the definition of debt: Spending your money in the future for your needs/wants today. So in the long run.. wala nakay money in the future and mo resulta ra in more debt. Just a reminder.

Second best way is to pay w/ your card.. then pay immediately. Sure jd ni dli ka mag interest.

Third way. is buy after the cutoff date.. mas taas ka ug time to pay thus naa pa kay time to save money para e pay sa bills.. (Imagine if wala nimo gamita imo credit card.. ka2 money imo save para sa lain na unta to).

Just an advice.

[doctor_wat_son]

Korek jud ni ilang gipang advise.
Bisan naa kay cash, use your credit card lang gihapon para naa kay ma-earn points (or mileage dpende sa klase sa imo card) then save usa your cash in the bank para naa interes (bahala piso ra gud matobo).

mao ni ang mga na-advise:
-look for 0% interest promos
-pay your bills in full and on time to avoid finance charges nga 3.5%. if dili jud madala ug full, at least the minimum due before the due date to avoid late charge of Php500 or 7.5% of the remaining balance, which ever is higher. si Citibank man guro ni ma apply.
-take note of your Due Dates and Cutoff Dates. Mao na nga if possible, use it right after sa cutoff date para taas kag time to save some cash for payment.

[miggz]

just use a debit card its much easier

[sweetz]

use ur credit cards as if ur using ur cash.

dapat dli paulipon sa credit card.

ayaw e change imong ways of spending sa kadtong wla pkay card.

dapat imo ang advantage dli sa card company. dako nka ug mapalit sa imong finance charge.