How to deal with credit card offer. By John Caldecott.
If you’re a person who carries a balance, credit card offer might be the least thing on your mind right now. Credit
card offer, no matter how enticing and convenient it might seem, may be the most expensive loans made by banks,
department stores, and gasoline companies for you.
Sometimes, no matter how hard you try not to give in to the temptation the credit card offers, material cravings can
sometimes be more powerful than the will of the mind. No matter how hard you try to resist the convenience and
leisure the credit cards offer, you cannot help but to indulge. And the moment the credit card issuer offers you a
card you can hardly wait for t to be approved and to use it to pay for items and services you fancy.
To avoid going beyond your credit limit, by now, you should know when to resist and indulge into the convenience the
credit cards offer. Knowing how much the service provider or the store merchant collects from what you owe to your
card issuer, you shouldn’t allow yourself spend what you don’t think you cannot pay. Or, by now, you should learn
how to pay off what you owe each month, as long as you pay a minimum amount each time because this is what you get
from what the credit card offers: interest on the balance you owe at the end of each period if do not pay the full
balance every time your bill arrives.
If you are having problems saying “no” to credit card offers, the most effective way to prevent yourself in engaging
into another compromise is a little bit of truth serum—how much credit card issuers get from the transaction you
engage with them. Although credit card offers the almost priceless campaign ultimate convenience, think about this:
the people who offer credit cards generate high profits from the people they have issued the card. Basically,
reciprocal to what the credit card offers, is the high rate of interest. The convenience credit card offers
sometimes no longer mounts up to the interest on credit cards alone but also from the bulk of accounts the bank
profits for every credit card issued.
There are also those companies that charge an annual fee as part the credit card offer. But most of these companies
sometimes charge late fees, over-the-limit fees, and other “miscellaneous” charges that the credit card holder often
mistook as part of the service charge. Now, knowing how much you really “contribute” to the companies’ profit every
time you pay what the merchant charges or every time you pay the fees to service providers—would you still be
blinded with what the credit card offers?
What you can do
Wanting to breakaway from the habitual indulgence to credit card offer? Here are some tips that can help you veer
away from the constant misleading promises and overwhelming credit card offer. Before you give in to what a certain
credit card offers, think first what’s the purpose of filling out an application for a credit card and why do you
need it and how sure are you that you can comply with the conditions of having another card. If ever your needs
really demand for a credit card, then you must look for the most suitable type that will work best for your specific
situation. Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not,
it pays to understand the terms of what the credit card offers before you getting the card. You must also take time
to review the disclosures of terms and fees might appear on credit card offers you receive.
If you are really a person who cannot say “no” to numerous credit card offers, you must learn to pay bills
punctually so the interest and charges are as low as possible. It also pays to read monthly statements while keeping
the copies of sales receipts so you would compare the charges.
Indeed, having a credit card has become ingrained in the consumer’s psyche. That’s why it is imperative that people
understand clearly the responsibilities of being a credit card holder and not juts base their assumptions on what
the credit card offers.
Godbless, John Caldecott.
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