Credit Repair: Breaking the Habit - How to Stop Using Your Credit Card Finance Articles | November 3 Orlando Cepeda Braves Jersey , 2008 You know your debt is rising, but still cannot stop using your credit card for purchasing items. Several people get easily dependent on credit cards for everyday expenses and impulsive buys. The fact that you are borrowing money from the creditor for your purchase might be tempting, but the truth is: you must be able to pay it off on time. Neglecting those bills can cause headaches in the future. You might get malicious letters from your creditors, or even receive threatening telephone calls.
You know your debt is rising, but still cannot stop using your credit card for purchasing items. Several people get easily dependent on credit cards for everyday expenses and impulsive buys. The fact that you are borrowing money from the creditor for your purchase might be tempting Deion Sanders Braves Jersey , but the truth is: you must be able to pay it off on time. Neglecting those bills can cause headaches in the future. You might get malicious letters from your creditors, or even receive threatening telephone calls.
Close, Shred and Leave
If you really want to avoid those from happening all together or if you are starting to drown in your debt, you have to stop credit card usage. Fortunately, there are several ways on how to.
Firstly David Justice Braves Jersey , many people would agree that closing your credit card account is the best way possible. One and simple call to your cardholder is sufficient enough to inactivate your credit card. Doing so might even quiet down that nagging feeling and desire to purchase items using a credit card. Just think that there might be one situation wherein the clerk says your credit card has been denied; the embarrassment from that situation is reason enough for you to inactivate your credit card.
Shredding is also an excellent way to break the habit completely. You can use an office shredder since it works great on plastic as it does on paper. Since your credit card is shredded into pieces, there is no way that you can swipe it. However, if you do not have a shredder, scissors are great too. Just cut the card into small pieces and make sure that the credit card number cannot be identified by potential thieves.
Another excellent way to stop using the credit card, especially when you go out of the house Chipper Jones Braves Jersey , is to leave them. If closing or shredding is not your style, try taking your credit card out of your wallet when you are about to go shopping. In this way, if you have the urge to buy something you really do not need, you have to think twice before buying it since you are about to use your own money.
The Shock and What Your Can Do About It
You have been using your credit card for your expenses but have you ever thought about the total amount of cash you spend in interest alone each year? More so, the duration of time it will take you to just pay off your credit cards might shock you. It is all about the numbers and these will put you into shock and can make you think twice before using that credit card again.
For instance Bob Uecker Braves Jersey , if you have a balance of $1,000 and an interest rate of 14%, it will take you about four and a half years before you can pay it off; that is, if you are making $25 in payments every month. By the time you pay off the balance, you will have paid a total of $347.55 in interest.
Since you know what credit cards can do Bobby Cox Braves Jersey , you might want to stop using it once and for all. Learn how to say "no" since this kind of discipline can help you stop impulsive buys, thus stopping the use of credit cards. Always think twice about swiping that credit card for your purchases and you would not have to think about repairing your credit in the future. Article Tags: Stop Using, Credit Card, Credit Cards, Think Twice
HTC Explorer Pay Monthly Dale Murphy Braves Jersey , Explore Anything Just with A Click Technology Articles | July 18, 2012 HTC Explorer smartphones that has been introduced with magnificent appearance and huge set of desirable features by the youngsters or business class people.
HTC Explorer is a new entrant in the family of HTC smartphones that has been introduced with magnificent appearance and huge set of desirable features by the youngsters or business class people. When it comes to color choices, you will have options like active black, active navy, metallic black and metallic navy.
HTC Explorer is loaded with these marvelous features-
Free HTC Explorer is cased in 102.8 x 57.2 x 12.9 mm proportions and it is 108 grams heavy including the fitted battery. You may feel disappointed to see the internal memory (90 MB and 512 MB ROM & 512 MB RAM) for a while Babe Ruth Braves Jersey , but great thing is that? the given space can be enlarged up to 32GB for countless pictures, video clips and other files in HTC Explorer Pay Monthly.
Provided 3.2 inches (~180 ppi pixel density) TFT capacitive touch screen is damn good at its part and deserves praise by users for displaying 256 thousand colors in the resolution of 320 x 480 pixels. Going ahead, users will find it loaded with HTC Sense UI 3.5 and touch sensitive controls with sensors like accelerometer and proximity.????
Buy HTC Explorer deals is fully powered in aspect of connectivity as users can make use of WLAN Wi-Fi, GPRS, EDGE Darren O'Day Braves Jersey , 3G Speed, Bluetooth and USB along with HTML Web browser. Aside of all these connections, navigational assistance can be taken by installed GPS and Google Maps.
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