Turn the phrase, financial life, a reflection "to charge it." But it is a real problem,
This article describes how to take full advantage of credit card, how to select
Excellent credit card. This information is, by the way, applies to both to use the credit card
You use a credit card personal expenses and business expenses.
To select the right credit card
When you select a credit card is easy. You, if you do not carry charge forward from the Mon
Select a card with annual fee month, the lowest. It does not matter to you if
Since you only pay, credit card companies, charge higher interest rates painfully
Annual membership fee, if you pay the monthly credit card bill on time.
If you carry a balance, it would be interested to select the card has the lowest reasonable
Rate. Some credit card issuers of interest calculation play a trick to make it very
Difficult to make such a comparison of apples and apple of your credit card. However, if you choose
The rate of credit card, have done for you at an annual rate of at least
Well as can be.
Correct use of credit cards
Please do not use a credit card as a way for you to borrow money. Always mean
To repay the costs within the grace period. You want to be what is referred to as "banks
Revolver, "is the person to pay an invoice for the credit card of his or her time always.
Profitable business, the deduction 401 (k), IRA and, after the investment of next
Child and the best investment you can make is to pay off your credit cards charge high interest
Rate. Tax-free interest rate of say 14%, and revenue more than anything
Slightly smaller than the payroll deduction IRA to invest in and perhaps (with 401 (k)
To pass up), which is payable if your business is good.
Interest rates of credit cards personal expenses is not a deduction, Note
Income tax purposes, you must be a credit card interest deductible business expenses
Business, such as interest expense. Therefore, it is the worst kind of credit card debt.
Personal credit card debt. Liabilities of the business is not quite bad.
Do you have an affinity card that makes sense?
- Such as affinity card is a credit card has been issued by someone other than the bank.
There are car manufacturers, airlines, and a group of experts. Affinity card
In general, the combination of the normal features of a credit card and some extra profit
It is connected to the issuer. For example, in the case of a card of General Motors, you
Thanks to you I spend with an affinity to accumulate U.S. dollars to the account of the rebate
Card.
In general, the affinity card - especially those not charge a fee is - deals
As long as there is a competitive interest rate is. For example, I have a General Motors
Credit card account, including a rebate of 5%. In other words, of 5 cents
Every dollar I charge enters the account of the rebate can be used towards me on the card
General Motors to purchase a new car. To get, how much the size of your rebate depends on the type
You have an affinity card. For example, General Motors regularly write in this way
Credit card, you can accumulate in the years up to the upper limit of $ 500 to $ 3,500. The
General Motors in the Gold credit card, you can accumulate to $ 1,000 by the year
The maximum value of $ 7,000.
There are many different affinity cards. Ford has the one. In most major airlines
You have them too. If you use an affinity card airline, to accumulate mileage on the basis of
Credit card fee. The plan I've seen, can usually Mairudoru.
One part adhesive to use an affinity card, however, is to get an additional 5%.
If you want to have a rebate card spend more money you do not have it's worth it. Several studies have
When you use a credit card shows that spend more than 23%. In the very same thing
The possibility of affinity card will return true.
If, in one of the people who use the money more than when you have a card to hand
You can use the affinity card, to save money does not have any. You, even if you get a new general
Motor car, pay indirectly for a handful of free or free flights to Europe
Use the extra charge of everything you do, new cars and airline tickets. You, if you do not
Use the rebate, the situation is even worse. You are, perhaps, was more charge
Expensive paying an annual fee, you did not receive anything in return.
Claim note in favor affinity for using the card, is another point that should be considered
Business rates. In many companies, you have a credit card of large companies.
There are much larger than the individual to make personal expenses - fee. This in
If not using too much in the case, and does not overcharge, may find
Affinity credit card, you will generate significant benefits. In my case, for much of my business
Costs can be charged to my credit card mileage, I probably get two free
Flights years.
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