Having a credit card is very convenient, since carrying a large amount of cash with you becomes unnecessary and it may even cost you to leave your credit card at home. But with its advantages also comes its disadvantages. As you can always buy things without carrying cash, you are always tempted to buy something with what you find. If you have excellent control over your finances, then it’s good for you. If you have problems managing your credit card, these indicators can help you.
First things first, get your credit card records to get a better idea of your expenses. Be sure to check the records for errors and ensure accuracy. A good example would be to find out if you have outstanding debts that should not be there, as well as the accuracy of the list of your previous and current address.
Evaluate your credit card
Check your recent credit card records and look at interest rates. Some credit card companies have promotions in which they offer lower interest rates over a period of time and this promotion may have already ended, but you have no idea and you are already paying at a higher interest rate. Also take note of the membership fee they charge annually, as some have very high membership fees. Consider canceling this if you do not use it often.
Pay on time
It is important to pay your bills on time, as it can have a negative effect on your credit or rating record. You can also avoid being charged for not paying on time. Try asking the credit card company to eliminate the overdue charge if you forgot to pay it on time for the first time.
Manage your debts
If you see that you have more debt than what you find comfortable, think about the future and plan how you are going to repay it or at least reduce your debt. Design a way to pay more than what is required of you to have a reduced payment schedule. Prioritize the card with the highest interest rate. Do not bring your credit card whenever you go because temptations abound.
Do not bite more than you can chew
As the saying goes, “do not bite more than you can chew,” do not spend more than you can afford. True, a beautiful gold bracelet can be nice to wear, but its price can mean paying a lot during the next few months. If you are willing to save money by using your credit card, unnecessary items such as jewelry and the like should be at the bottom of your considerations.
ما هى VAPULUS ؟
VAPULUS هي وسيلة دفع وتسويق عن طريق الهاتف وأقوى مزوّد حلول مدفوعات في الشرق الأوسط و جنوب افريقيا،
تقوم بتزويد الخدمة لكلا من رواد الأعمال والأفراد واضعين نصب أعيننا توفير
تجربة دفع رائعة للتاجر المصحوبة بمميزات التسويق الرقمي والتحليلات، حيث تتنوع وسائل الدفع الرقمي،
فإن نظام التشغيل يقبل بطاقات الصراف الآلي وبطاقات الإئتمان و المحافظ الرقمية علي حدٍ سواء،
مما يتيح الفرصة لتوفير خدماتنا لفئة الغير متعاملين مع البنوك بحرية.
تطبيق VAPULUS عبر الهاتف يمنح مستخدميه إمكانية الشراء عبر الانترنت والشراء من داخل المحال التجارية
ودفع فواتيرهم بالطريقة المفضلة لديهم من خلال الهاتف أو الجهاز اللوحي أو الحاسب الشخصي.