4 Smart Ways To Deal With Credit Card Debt - The Internet Business Digest Ezines

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4 Smart Ways To Deal With Credit Card Debt
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You already know a lot about credit cards. You've
heard that consumer debt in this
country-particularly credit-card debt-is at an
all-time high, while our savings rate is lower
than ever before. You realize that the boom in
online shopping, with its absolute dependence on
credit cards, is further fueling their use. You
are well aware that running a balance on your
plastic-and paying the unconscionable interest
rates that come with it-is one of our most basic
and widespread financial blunders. And you suspect
that the sheer volume of direct-mail credit-card
solicitations with low teaser rates must be
devastating the forests of northern Idaho.

Still, credit cards are a fact of 21st century
life, and it only makes sense to understand how to
use them wisely. While it's probably impractical
to keep all plastic out of your wallet, it is
prudent to limit the number of cards you have,
and, of course, to pay all balances in full every
month. Indeed, having only a traditional American
Express card, which doesn't allow you to carry a
balance, can be an excellent way to impose fiscal
discipline on you and your family-although, as the
Visa ads point out, not everyone accepts American
Express. For the rest of us, who do occasionally
dabble in credit-card debt, here are a few ways to
keep your habit under control.

1. Take advantage of frequent-flier programs tied
to credit cards, but keep in mind that interest
payments on a high balance can quickly turn "free"
flights into outrageously expensive ones. At a
dollar per mile, running up a debt of 25,000 may
get you a plane ticket, but it will also saddle
you with $4,500 in yearly interest payments,
assuming an 18% annual rate.

2. Look very closely at credit-card offers before
you bite. Obviously, most of those 2.99% and 3.99%
rates will be in effect for only a few months. But
there may be other catches as well. Making a late
payment, even if it arrives only a day after it
was due, may immediately trigger a permanent rate
hike. Also, low initial rates sometimes apply only
to transferred balances, and you could get charged
a fee for making the transfer. Check, too, to see
whether there is an annual fee, or charges for
exceeding your credit limit or even for closing an
account.

3. Avoid amazing grace-period tricks. What you're
looking for is a provision that says you'll never
be charged interest as long as you pay your bill
in full by the due date. But some cards have no
grace period, calculating interest from the moment
you make a purchase, while others give you only a
limited time after making a charge before interest
is imposed. That period of 20 days or so may end
before your payment is due.

4. Don't forget to cancel cards you no longer use.
If you don't, they'll show up on credit reports,
and that could be a problem, particularly if
you're applying for a home mortgage. Your would-be
lender may be reluctant to make a loan to someone
who has a cumulative credit-card limit of $50,000,
$100,000, or even more.



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