Credit cards. The Dangers of Credit Cards and Debt - Continued

Credit cards are great at giving you those checks that say you can have this great low rate on purchases, until you read the fine lines. The fine lines will tell you that the great rate is only going to last for four months or six months, and then the rate triples.

Be sure if you use those purchase checks with the great rates, that you pay off the balances before the expiration or you could be paying way more than what you wanted for your purchase. 

If you have a hard time meeting the time line of when payments are currently due, have your payment date changed. It is just a matter of pressing a few buttons and your payment date can be changed with no hassle. Make the credit card company meet your own needs. 

Do not fall for those free offers just to get a credit card. Who needs a chance to win, and another credit card. A person only needs one credit card in order to get by. A credit card is for emergences, traveling and purchasing online, not something that you have to use to purchase your groceries to save up your traveling points.