No money or creditcard sex sites
That way, you will only use your credit card for emergencies. Since the money comes straight out of your bank account, it may make you think twice before you spend.Credit card interest rates can range from as low as nought per cent for introductory offers, to as high as 30 per cent or more.
Use this one card to keep better track of your spending.However, this strategy only works if you're on relatively good terms with your credit card company. For example, say you have a balance of £1,000 a month on a card with a 6.9 per cent interest rate and a £50 annual fee.Unless you're already paying the lowest rate available, think about transferring your balance to a lower-rate card. That's the equivalent of a no-fee card with a 12 per cent interest rate.If you're the type of person who lives at your spending limit, only being able to spend on one card will stop you running up more debt.If you tend to pull out your credit card when you're short of cash, leave the card at home.Late-payment fees are limited to a £12 one-off fee.
This may not sound like much, but frequent late payments can affect your credit rating.
At a news conference announcing Visa’s decision Wednesday, Dart lashed out at and its refusal to acknowledge how pimps and traffickers use the ads in its adult section.
In his sharpest remarks, Dart criticized the company for suggesting, as it has in the past, that it partners with law enforcement to root out such traffic.“That’s insane.
Therefore, you want to transfer your balance to the new card.
Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.
If the information provided is too confusing to sort out, call your card company and ask someone to explain it to you. If you have a balance of £1,000 and your interest rate is 22 per cent, it would take you 12 years to pay off your debt if you made only the minimum payments.