Do you have credit card debt?

Question

Feel free to share any tips for saving $$ or what to avoid for new credit card owners! 
Just recently got a credit card and could use some advice.

Answer

Listen to Dave Ramsey on debit and credit cards. We have never had credit cards because I know I’m not the best at paying stuff back on time. There are other ways to build credit.

Answer

I paid it all off this week!! 🙌🏽🙌🏽

Answer

I was always told to make sure to spend only the amount of money you actually have, so if you’re buying something for $200 then make sure you have that $200 set aside to pay for it. You can pay monthly still to buil credit but don’t go spending money you DONT have (meaning in your bank, cash, etc)

Answer

You just got a credit card? 
That's great, you can begin building a really strong credit history with it.
The basic rule that will keep you out of trouble is this.....consider the credit on the card to only be extended till the day the bill is due. So if you need to buy a dishwasher and are going to buy one that costs 500 bucks, feel free to buy it IF you have the 500 to pay the bill at the end of the month. If you only have 250, you dont buy it yet. 
The "minimum payment" option is a SLIPPERY slope....and you dont want to get into the habit of using it. 
Good luck!

Answer

The way I keep up with mine is I won’t use my credit card if I don’t already have the cash to pay it back. When I use my credit card as soon as it processes & I’m allowed to make a payment I pay it off

Answer

My top advice is simply don't spend money you don't have. You'll have to pay the credit card at some point and it may be even more expensive (depending on interest rates, etc), so you still need to consider that it's your money when you use it. 
I simply use it to buy stuff and pay it off straight away to build credit.

Answer

I pay it off every time I get paid - so twice per month. I rarely have more than $400 charged between payments (family of 4). Some people pay it off just at the end of the month, which is fine too. It just works with my other bills to do it twice per month.

Answer

Just use it to fill your gas tank, always pay it off every month, use a debit card for all other purchases

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I pay it off every billing cycle.

Answer

I don’t have my own credit card but my bf does and he has me as an authorized user on it. We pretty much just use it for grocery shopping and pay it off every month to gain credit. I just recommend don’t spend more on it than you can afford to pay off every month!

Do you have credit card debt?

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