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Effortless Chat

of your financial future

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Effortless Chat

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The best place for information on credit cards!

Finding the card that is right for you can be a challenge. Rates and fees are constantly changing, as are the perks and rewards, and this is before you even spend a single dollar! Our editors are consistently following the latest trends and have you covered on the latest news.

[/vc_column_text][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][/vc_section][vc_row full_width=”stretch_row” gap=”20″ css=”.vc_custom_1550595536653{background-image: url(https://www.effortlesschats.com/wp-content/uploads/2019/02/bg04.jpg?id=9031) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column width=”2/6″][vc_column_text]
[/vc_column_text][/vc_column][vc_column width=”3/6″][vc_empty_space height=”70px”][vc_custom_heading text=”Tips for Using Credit Cards Responsibly” font_container=”tag:h1|text_align:left” use_theme_fonts=”yes”][vc_column_text]

Are you new to using a credit card? Do you have trouble balancing one? Here are some tips you can use to improve your financial responsibility.

[/vc_column_text][vc_row_inner equal_height=”yes” gap=”30″][vc_column_inner width=”1/2″ css=”.vc_custom_1550595615687{padding-top: 30px !important;padding-right: 50px !important;padding-bottom: 30px !important;padding-left: 50px !important;background-color: #ffffff !important;}”][vc_custom_heading text=”Think Of It As A Loan” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]You need to pay back everything you buy with a credit card. Therefore, don’t buy things you can’t afford. An alternative is to think of it as an ATM debit card for your checking account – after all you SHOULD have money in the bank to pay for what you’re about to buy, right?[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1550595621242{padding-top: 30px !important;padding-right: 50px !important;padding-bottom: 30px !important;padding-left: 50px !important;background-color: #ffffff !important;}”][vc_custom_heading text=”Save The Receipts” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Use your credit card receipts side by side with your monthly bill. Look for irregularities and report problems to your credit card issuer immediately.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” gap=”30″][vc_column_inner width=”1/2″ css=”.vc_custom_1550595631718{padding-top: 30px !important;padding-right: 50px !important;padding-bottom: 30px !important;padding-left: 50px !important;background-color: #ffffff !important;}”][vc_custom_heading text=”Pay The Balance On Time” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Late payments (or no payments) mean finance charges on the remaining unpaid balance. Plus, if you only pay the minimum, the interest on the unpaid balance will continue to rise – meaning your purchases could end up costing much more than the original price.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1550595636734{padding-top: 30px !important;padding-right: 50px !important;padding-bottom: 30px !important;padding-left: 50px !important;background-color: #ffffff !important;}”][vc_custom_heading text=”Your Credit Rating Affects Your Life” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes”][vc_column_text]Late payments or even non-payment of debts can damage your credit score. This affects your credit history negatively — making it harder for you to purchase larger items such as cars or property. IT could also become more difficult to rent an apartment, find affordable insurance, or even—in some extreme cases—land a good job.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=”150px”][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_section][vc_row][vc_column][vc_custom_heading text=”Credit Card Advice & Tips” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes”][vc_empty_space][vc_basic_grid post_type=”post” max_items=”8″ element_width=”3″ initial_loading_animation=”none” grid_id=”vc_gid:1737906859343-a2547fa1-6d10-8″ taxonomies=”17″ css=”.vc_custom_1737906902488{background-color: #ffffff !important;}”][/vc_column][/vc_row][/vc_section]