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The interest rates on credit cards are very high, but if you can pay in full and on time, the interest rate should be lower.
One of the most important actions you can take when using your credit card is to pay your balance in full every month. If you can pay your entire balance in full at the end of the billing cycle, you could be paying lower interest rates.
If you pay an entire balance on time each month, you will reduce your interest charges.
Just remember that you might be paying a little bit of interest on the amount you owe, but you will be paying no interest for the remainder of the time left on the contract. So, you could actually save more money by paying in full each month and stop paying interest.
It is a simple way to save a lot of money. Here are the steps you can take to avoid overpaying by not paying late and or not paying your full balance each month:
You will need a cash register. You can use a cash register like a Nety Energex, using the retail software.
You will need a contract. To have a financial institution automatically deduct your regular payments, you should get a monthly automatic payment plan. This can be done directly from your monthly statements.
You will need a current credit card. The contract that you get from your financial institution should automatically be set up for your credit card.
In the next posts we will talk about the monthly payment plan, the check register and how to choose a credit card that best fits your needs.
About the Author
Fabio Vaz Sousa is a blogger and online writer. He has been writing since 2005. In addition, he used to share articles and experience on his own blog. Now he’s helping people to save money by sharing tips and finding good financial decisions for them.Fabio learned some basic tricks when he was a student, so he wanted to share them with the world.
Money save, money make. Saving money is very easy. Just follow these suggestions:
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