Just those tips alone will probably help you a lot. Consider Doing a Balance Transfer–if you have balances on several different cards, consider doing a balance transfer to consolidate your credit card debt, and possibly reduce your interest charges.This is a no-brainer, but you need to get rid of credit cards with sky high interest rates. Pay off credit cards with the highest interest rates first.In fact, when I actually saw how much I was paying in interest (when I had credit card debt), it made me sick to my stomach! This will help you know exactly how much you have been paying in interest charges, and more. Print another blank spreadsheet (or use a paper ledger account), and keep track of each payment and balance.
This will help you keep track of each card.
This will be a very handy sheet, as you can reference when cards expire, and in the event you lost your credit card, you would know exactly who to call (and have the numbers) to cancel it. customer service number (and website of the company).Visa), the card number, the card’s expiration date, the credit card verification code, and the Include details such as the account name (e.g. Record your account information–Write down details on each credit card account in your spreadsheet.I recommend you print a blank spreadsheet (with the gridlines), and fill in the sections with a pen or pencil.
I never like to keep digital files on my computer of passwords, account numbers, and so forth. Create at least 4 or 5 columns, and enough rows for the whole page. Create a simple spreadsheet using Microsoft Excel (or the free OpenOffice).While credit card management companies can do a lot to help those who have butchered their finances, the average credit card user can learn some ways to manage their own credit cards–no company needed! Here are some tips below to help you manage your credit card accounts more efficiently. These credit card management services often help cardholders consolidate debt, reduce interest charges, and other services. This is why so many companies have been formed to try and help people manage their credit card debt for them (often at an expense).
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