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Give Credit its Due
By Sandra Faist
Whether you have a lot of credit card debt or are debt free, you have to give credit its due. Let's face it; there are some things that are difficult to do without having credit. Plus, you need to have credit to get credit.

With so much talk about the problems brought about with credit card debt, I doubt anyone would disagree, ideally, it's best to be debt free. There's no better sense of well-being than knowing all you owe is your living expenses and your mortgage payment. And wouldn't that be nice to be rid of? But, for most of us, we will spend much of our adult lives paying a mortgage. Not may of us have the luxury or good fortune to be debt free.

So then what do I mean when I say, give credit its due? In today's world, it's very difficult to be without a credit card. Many places will no longer take checks; and I don't know about you, but I don't like to walk around with large amounts of cash. When you need to book a hotel room, or pay a bill over the phone, rent a car, or order something online or via the phone, you must have a credit card. There's just no getting around it.

Even those opposed to owning a credit card must realize it is nearly impossible to live without one. And you can't just have possession of a card; you will need to use it. When you need to apply for credit, to purchase a car or to take out a personal loan

for instance, you must have a credit history. Credit lenders will want to see a history of on-time payments before they lend you their money.

So give credit its due, and use it wisely. If you are one who'd rather not have a card, you still must use it every now and then, but pay it off at the end of the month. You'll stay debt-free while building a good credit history.

And if you're like the majority of the American population, you'll find yourself using your credit card too often. Be careful. Credit cards can get you in to trouble fast if you don't stay on top of them. Interest rates become astronomical if your payment is not on time, up to doubling the normal rate. Late fees can go as high as $39 each time a payment is overdue, and if you go above your spending limit, another fee is assessed.

Choose a card that best suits your needs and mode of living. There are numerous types available today. Look for one with no annual fee, and of course a low interest rate. There are cards that reward points toward every purchase which you can exchange for gifts; there are those that offer fraud protection, or travel services, including miles on your favorite airlines; some offer savings at large retailers, and some offer cash-back bonuses.

For further information on various types of credit cards, visit Give Credit its Due.
The author was in the insurance and medical industries for 20 years, the last 16 with the same medical practice. Now she is working at home writing and building her business; and enjoying more time with her children. She is the Softball Editor for BellaOnline.


Give Credit its Due

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