Credit card offers are difficult to ignore. Many end up picking up a credit card just because they want to make the most of those lucrative offers. Credit cards increase your purchasing power. And, if you use your credit card smartly, you stand to benefit. Here are seven factors which will help you use your credit card smartly:
Spend within your credit limit
The simple thing that you need to keep in mind is to spend within your credit limit. It is the maximum amount of money you can spend with your credit card without being charged a penalty. However, you are charged an over limit fee, if you exceed it. Choose a credit card which allows you a credit limit of 3-4 times more than what you are likely to spend each month. If you want to enjoy the benefits of credit card, then the most important thing you need to keep in mind is that you should keep your credit utilisation low.
Pinpointing your target customers through programmatic buying and Online advertising strategies. In YouFind, our specialists will help to maximise results by focusing on the right person at the right time.Check the fees associated with your credit card
Credit cards have fees like joining fees, annual fees, late payment fees, and cash advance fees and even rewards redemption fees. CS Sudheer, CEO and Founder of IndianMoney.com, says that the common fees are joining and annual fees which are around Rs 250-4500. “Opt for a card which doesn’t charge joining and annual fees. This can be done as many cards don’t charge these fees if you apply through a loan aggregator or if you spend a certain amount, using the credit card,” he said.
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