| Unfortunately, and based on studies, people do not | | | | lowest interest rates. |
| deal very well and take debt seriously, this leads to | | | | - Having multiple cards is like owning multiple weapons |
| huge bills and debts accumulation and long term | | | | and you will risk injuring yourself. Keep one or |
| interest payments. | | | | maximum two credit cards with you. This way you |
| Take the following few advices to avoid debts: | | | | can handle your debts easily. |
| - If you have credit card debts, which is in most | | | | - Educate yourself on how credit cards calculate |
| cases the biggest source and the most serious of | | | | interest. Then, check the interest rate on your credit |
| debts accumulation especially for students and newly | | | | cards. |
| graduates people, you must pay off as quickly as | | | | - Know what you want to pay! Never use your card |
| possible to avoid long term debts. Take this advice | | | | for something you cannot pay for with cash. When |
| seriously, because ignoring or delaying any payment | | | | you have a checking account and have a debit card, |
| can become a nightmare and eat you alive. | | | | use it. This card is very useful for small items rather |
| - Learn and learn how to calculate interest, this | | | | then even paying interest for small items. Credit |
| ebook will explain step by step how to perform | | | | cards make paying money easy. They also make |
| these calculations. | | | | going into debt easy. |
| - ALWAYS check the interest rate. You must ASK | | | | - Always have a plan to pay back your debts. If you |
| first, you must receive clarifications before choosing | | | | need to buy something, think first “how can I |
| a credit card. Always assume that you have the | | | | pay it back? |