Credit card is common these days and people find it easy spending with the help of it. It seems them easy to pay and moreover paying by credit card is a fashion today. If you know the worth of this plastic card, you can make your payment at ease and improve your credit rating. But somehow if you neglected the APR of your card, you will be in trouble. On the other hand may be you become the prey of any fraud or scam. Before hiring any credit card facility of any bank please do check their term and conditions. Do not blindly trust what they advertise in their ads, there is always hidden meanings within what they offers you and what you will get exactly.
To use credit card facilities wisely and smartly you can follow some common tips. Always disclose your credit card number, security code and card number who are close family members and you trust them. Do not give your card details to your employees or even to bank callers who may trap you in fraud. Do not keep your card hither and thither, always keep your card safe in your purse when you are out of your home.
Be aware if you are an online shopper, do not disclose your card info to any unknown websites, and always give this information to popular and honest websites. Be smart to avoid any fraud transaction from your card. Being the user of electronic banking, always keep an eye on how much money is being used by your card. At every transaction and usage, bank will notify you by email and messages. If you have lost your card somehow, immediately inform your service provider to seize the payment by card. Because if someone will take help of bank authority he will manage to reset your password and make payment from it. So stop payment of that card and get a new one issued.
To use your card more cunningly and to avoid any debt issue do notify some points. Keep an eye on the usage of your credit card at least once in a week. You can check online the status of your card what is the limit of card? How much you can shop in rest of the month? The bank provides you online statement, so you do not have to hassle to rush to bank every week to get statement. By going through this statement you can decide how much money you will afford to pay and how much money you have already used.
Do check what the status of your bank account is and make sure that at the time of payment you must have sufficient balance in your account. Avoid excess use of credit card but at the same time it is a fact that this card is an opportunity to go cashless. You do not have to keep much cash in your pocket all the time now. Do not apply for so many cards at a time, you cannot use the money of one card to fulfil dues of your previous card. While choosing a bank for applying a credit card, check the credibility and stability of that finance institution. Read carefully their terms and conditions. Pay them timely to take advantages of their discounts and offers. Be a wise and careful user. Look for credit card help online and gain useful knowledge so that you can use your card without any issue and trouble