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12 Comments Already

September 3rd, 2008 @2:27 am  

Obeying all of these is not easy job to do.

Monavie Said,
September 4th, 2008 @5:08 pm  

“you also become prone to piling debt that can build to unmanageable limits very fast making you lose control of your financial situation” That has been my bad habit recently… I think its good to be aware and not spend more than you actually have. And as for the gym guy story – OUNCH! That would really really suck. Thanks for the tips as always.

September 5th, 2008 @4:40 pm  

I feel that I learned my credit card lessons the hard way. I wish I had seem this article (or the like) two years ago! I am not too far into debt but but my credit has dropped about 250 points. Anyone have any idea how long it will take to repair this after paying the companies back?

paulette Said,
September 7th, 2008 @3:02 am  

Using it must be diligent to avoid fraud and scams.

September 10th, 2008 @4:30 pm  

The damage done to my credit was reversed over the course of 5 years. It’s hard (and embarrassing) to fix your credit, but it’s worth it. The best way to do it is to start off on the right foot! These are great tips for someone new to credit. Thanks for a great post.

September 13th, 2008 @8:07 am  

Taking steps to avoid criminal activity causing you harm is wise. However, with credit cards, much more harm is done, to far more people, by foolish choices on their own part. They choose to spend money and build up credit card balances they don’t pay off. And then the high interest rates add to that debt at a fast rate. And students have even more risk as they often already are in a situation of spending more than they make, so paying off accumulated credit card debt is very difficult.

September 16th, 2008 @12:25 am  

Smart credit use like you call it is something that we all should focus on.

There are spammers everywhere, and I think that these guidelines that you have given and some common sense will help make sure that nothing wrong can happen.

I think the major point is that people should be aware of all alternatives when it comes to problems with credit cards.

September 25th, 2008 @9:16 am  

thanks for the info man this really helped me out, especially because i have about 6 credit cards 😛

October 9th, 2008 @8:16 am  

And that’s nothing compared to the amount of offers college students receive. According to research, the average college student receives 15 credit card offers per week via snail mail, email, and various promotions (i.e. being offered a store credit card during check out). That’s more than seven times the number of offers received per household.

With all of these credit cards all over the place, it’s easy to understand why 76% of undergraduates have at least one credit card. The problem is- the vast majority of credit card holders blindly accept credit card offers.

October 29th, 2008 @12:24 pm  

I am considering gettinmy first creidt card at the age of 29! I feel that there is way to much risk now in using Debit cards to purchase good online. Now where to start!!!

Lim gold Said,
February 26th, 2009 @12:32 am  

As said, having a credit card can be convenient, but you need to be aware of all the risks and take every precaution necessary. Besides, never use credit card when you don’t necessarily need to purchase.

August 1st, 2009 @2:05 am  

You need to be very careful with credit cards. If you get carried away, you can end up in a lot of trouble.

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