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Don't carry a balance on credit cards

Surveys shows 50 percent of credit cardholders don/' t pay their bills in full or on time. More than 40 percent of credit cardholders say they don/' t know the interest rate on their cards. Suppose y Contd...

Surveys shows 50 percent of credit cardholders don/' t pay their bills in full or on time. More than 40 percent of credit cardholders say they don/' t know the interest rate on their cards. Suppose you carry a $1000 balance from month to month. That costs you $180 in interest a year if you have a credit card with no annual fee and an 18 percent interest rate. But many credit cards do have annual fees- especially the gold cards with the enticing travel rewards. You/' ll be astounded at what you pay once you factor in the fees.

You/' re fooling yourself when you slice and dice your debt onto several credit cards. Better to have everything in one credit card- so you know exactly what you owe. You/' ll have an easier time monitoring your indebtedness and not letting it get out of control.

Here are some signs of credit card trouble:

1. You/' re making only the minimum payments on your accounts.

2. You/' re missing payments or due dates.
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3. You/' re near the credit limit on most of your cards.

3. You/' re borrowing from one card to pay another.

4. You don/' t know how much you owe.

5.You worry a lot about money.

6. You use credit cards to meet your weekly or monthly living expenses.
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7. You transfer balances from one low-rate card to another every few months- just before the introductory offer expires.

It/' s time to address your financial problems if you recognize some of these patterns in your own life. Here/' s a six-step program to help you get out of the trouble.

1. Be honest with yourself. Do a complete analysis of all your debts- the interest rates and terms.

2. Decide how much money you can use to pay off debt each month.
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3. If there is a shortfall- consider getting a consolidation loan or line of credit at a lower rate.

4. Consider selling investments to pay off high-rate debt. If you own a house- bump up your mortgage at renewal time.

5. Pay the minimum amount on each card. Use what/' s left to pay off the card with the highest rate.

6. Don/' t use the cards any more. Cut them up or put them into a box.

Buying everything with cash- cheques or no-overdraft debit cards forces you to confront the fact you can/' t afford something. With a credit card- you can always afford it.


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