The shopping world is now spending more practical if we take it by using “plastic” money which is known as credit card. But for you who choose to live with minimal risk of carrying cash is the most ideal choice. Having a credit card do not have to be a scourge and make you anti credit card. Provided that disciplined when deciding to use it, have a credit card is still “safe”. Check out tips to the following credit cards:

• Avoid using credit cards to purchase goods outside the plan. You can quickly get into a high interest rate because they can not control the impulsive urge to shop. In contrast with cash, you perhaps buy something if there is enough money in your wallet.

• You may be tempted to use credit cards to eat at fancy places with the lure of discounts from 10 to 20%.

• Understand the hidden costs when using credit cards abroad, such as cost an additional 1 – 2% is charged for the purchase of goods. Before the transaction, know in detail the costs of this kind.

• If you discipline sorting and selecting purchases that you make by using credit cards and pay bills in full by the due date, you do not have to worry that the phone bill came insistently.

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