Minimum Payment, Maximum Pain – If you make the minimum payment you will lose. The normal credit card paid at the minimum payment will take half of your life to pay off and thousands of interest given to the credit card companies.
Late Fees Bite – Credit Card companies love when you are late. The late fees are great as far as they considered plus they will jack up the interest rates. It is a winning situation for them.
Rates: Seek a Better Deal You can always find a better deal. Just tell your credit card company that you are with that you want a better rate or you might walk. They will give you a better rate just for the asking.
Annual Fees: Negotiate a Waiver to any annual fees. If you look into this often time you will get this reduced or eliminated.
The Zero-Percent Offer: How They Tease – retroactive interest rates, that charge back interest if account is not paid in full.
Here is the main point to avoiding credit card hazards. If you are not careful credit cards and the little print will get you. Read the fine print, do not make the minimum payment, and never be late on a payment.
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