How to manage my credit card

@suchi60 (912)
India
August 8, 2009 10:16pm CST
This is an old issue and something on whcih a lot of people may have discussed earlier. But the reality is that I'm having trouble managing my credit card and would like to know the best possible way to keep a check on my account.
4 responses
@patofgold23 (5069)
• Philippines
9 Aug 09
i think you have to enroll your credit card on your ban's online service, and check on it on a day-=to-day basis...that's what I do...that way, I keep track of my finances, and I am sure my money is going just where I want it to.
@suchi60 (912)
• India
10 Aug 09
Thankfully, I have that facility now and do keep a check on it. Thanks for the input.
• Philippines
9 Aug 09
Just don't spend on things you know you can't afford. Even though you have a credit card it doesn't mean that you can spend it all at anything you have in mind. I had the same trouble. I couldn't handle it no more and its getting harder to pay my monthly bills plus the added interest on it so it got higher. It was depressing actually. But I manage to get out of it by asking my parents to lend me money to pay for the whole thing. Because with them, I don't get interest like credit cards. I told them that I'll pay as soon as I get some money on my own. Nowadays, I think a thousands times before using my credit card. I'd rather save my money for something than to use it. I just dont want to live in a lie. I have learned the value of money early and i'm so grateful for it.
@suchi60 (912)
• India
10 Aug 09
A very sensible solution indeed. I think we tend to get carried away with the limit we have on the card and make full use of it without thinking of the repayment. I'll be extra careful in future when using my card.
• United States
11 Aug 09
Best way to manage your credit card debt is to keep it out of your wallet, until your balance is zero
@bvijayks (137)
• India
30 Aug 09
best way to manage a credit card?......... i think its the reason for all those debits, i believe if there is no lender then there will be no question of getting into debts. i always stayed away from my card until n unless its real emergency otherwise you will be in deep threats of interests and payments