In today’s modern times, credit cards are considered valuable as money itself and not having it may seem to be unthinkable in view of the number of bills and utilities they are required to pay on a monthly basis.  Without having a credit card could also show a negative point to somebody's credit score especially if they are an initial credit card or loan applicant. 

Persons who are first time credit card holders or already have a credit card for a while now but is not aware of how they use it, you may want to read a few of the things you need to know about plastic money to keep you the inconvenience or correct any mistakes associated with credit cards.

Being late on paying your bill

On time payments is a big advantage for you and your credit score.  In case you are unable to pay it on time, however, you could call and request your bank to offer you some form of consideration and if you have a reputation of making on-time payments, they may permit your request.  Late payments of credit card bills that occur on a usual basis does not only hurt your credit score, it will also make you pay heftier penalties and interest rates.

Missing on your payments

Virtually the equivalent idea as paying late, more interest fees and penalties are added to your debt.  If you would like your credit score to look good in future years, you should prioritize paying your credit card on or before the due date.  The costof a missed or late credit card monthly payment include a “late fee” charge of about $15-$35.  Late payments are also reported to the credit bureaus and if you don’t improve this practice it will greatly affect your credit record.  Furthermore, your interest rate will be likely augmented to the default rate which is the maximum interest rate you could be paying soonafter. 

On time habitual credit card payment is one of the most significant things you can do for someone holding a credit card since 35% of your credit score is based on credit card bills paid on time. 

Cash Advance

A cash advance should, as much as possible, only be used during emergencies or if you could pay for it before the due date.  The reason for this is because once you get the cash from the machine, interest for that cash will start to roll and there is usually no grace period for it. If you have an urgent situation such as buying a critically needed medicine, you could first ask if they would accept to charge the bill to your credit card rather than paying for it in cash that came from a cash advance transaction.  The reason for this is because a cash advance will likely increase your credit card’s interest rate.

Charging only for rewards

If you are someone who is eager to buy things with your credit card just to earn points, think of the broader picture and how it could possibly affect your resources.  If you pay your credit card bills on time, then doing it might be even at your advantage.  Then again, if you don’t have a good track record with your payment, you should get out of this as much as possible and focus on straightening out your obligations.

Going over the limit

If you frequently max out your credit card, it can also cause your credit score.  Also known as maxing out, this practice could also have imminent consequences to your financial state and may influence your future credit or loan requests.  Maxing out is part of the Credit Utilization criteria which is about 30 percent of the credit score.

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