 1. Throw away those offers that come in your credit card statement. There is usually a costly catch to these offers. 2. Check your statement to see when your payment is due and send it in early. You do not want to get hit with a $29 late payment fee. 3. Get rid of all of the credit cards but one or two. No sense paying fees or getting the urge to use many different credit cards.
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 If your credit card has a grace period and you normally pay your balance in full and on time every month, you normally will not incur any finance charges at all. However, if you regularly carry a balance on your card, the method that’s used to calculate that balance is crucial because it plays a large part in determining how much interest you’ll have to pay. Be aware of how interest charges are calculated on your accounts.
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 A FICO score is the credit score that was developed by the Fair Isaac and Company. Mortgage lenders (and all lenders) use this number in part to decide whether or not to give you a loan. Most lenders offer different interest rates to you depending on how high or low your score is.
Below is the breakdown for the different credit scores.
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 For some people using credit cards is not an issue but for many people in the US credit cards are a big reason that they are in debt. The statistics don’t lie.
Average credit card debt per household with credit card debt: $16,007 (Source: Federal Reserve)
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