Information » Know Your Closing Dates

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Unfortunately, all too few consumers use credit cards in this way. In fact, the credit card issuers themselves count on consumers to be irresponsible with their use of the cards, racking up huge levels of debt and paying staggering amounts of interest in the process.

Even though changes have been made and reforms pushed through, the deck remains stacked clearly in favor of the credit card issuers. Interest rates are still well into the double digits, making it difficult to pay off even a small balance by making the minimum monthly payment. But even though the deck is stacked against you Cheap Cincinnati Reds Jerseys , there are some things you can do to tilt the odds in your favor and even beat the credit card companies at their own game.

Play the 0% Game

The best strategy is to pay off your entire balance every month, but if you have already accumulated a large balance there are some things you can do to get it paid off and reduce the amount of interest you have to pay. By taking advantage of 0% teaser rates and balance transfer offers, you can move the balances from those high interest cards and pay them off with no interest.

The key to making this strategy work is to know exactly when that 0% teaser interest rate expires. Credit card companies count on consumers to lose track of those offers, and pay higher interest rates as a result. Keep in mind that when that 0% interest rate expires, it is likely to reset at a very high level, and that could leave you with an additional balance to pay off. By keeping track of the expiration date of the current offer Tom Seaver Reds Jersey , you will have time to shop around for another 0% interest deal, moving the money from card to card until that troublesome balance is gone.

Know Your Closing Dates

With so many reward cards on the market, many of us use one card for gas, another for groceries and a third for everyday purchases. While this strategy can maximize your cash back and other rewards, it can be hard to keep track of all those closing dates. With grace periods shrinking and late payment charges on the rise, it has never been more important to stay one step ahead of those bills. s China[/url] Wholesale NFL Jerseys