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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

5 Things To Remember When Shopping For The Holidays

[December 19th, 2018]

When the holiday season rolls around, many of us start looking at our shopping lists with a combination of excitement and dread. These mixed emotions may be chalked up to our love of giving the perfect gifts to family and friends, and our fear of racking up credit card debt that will be difficult to pay off come January.

To lessen the stress and increase the joy of holiday shopping this year, here are five key points to keep in mind:

  1. How you pay for purchases makes a difference. Will you use cash, a debit card, or a credit card to pay for your holiday treasures this year? Think carefully about what choice you make at the register, and remember that you do have a choice about how you’ll fund your shopping trips. There are pros and cons to each payment method, and you’ll want to weigh them carefully before deciding what works best for you, your budget, and your credit score.
  2. Not all credit cards are created equal. If you choose to pay with a credit card, as many folks do, remember that some credit cards offer more rewards than others. Do you travel frequently? Think about using a travel rewards credit card that offers frequent flyer miles or other perks that come in handy on the road.
  3. Rewards points can come in handy. Many people have credit card rewards points they’ve forgotten about languishing in their accounts. Check with your credit card issuer or log into your online account to check your rewards balance. If you’ve got points you can use toward gift cards, magazine subscriptions, hotel stays, plane tickets, or other rewards, use them!
  4. Interest rates matter more than you think. We all probably have the best intentions of paying off our credit cards in full before the due date. But many of us will end up paying the minimum due, or another amount less than the entire balance. Keep this in mind when choosing which credit card to use. A low-APR or zero-interest credit card will pay off in time, if you need to spread payments out over a few months.
  5. A good credit score is a gift that keeps on giving. Late payments, charging the maximum amount to your credit card, and applying for several new credit cards at once can all hurt your credit score. Do yourself a favor and be sure to make all payments on time, keep your balances low, and don’t open more than one new credit card account at a time.
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