https://padlet.com/badavis2/7v53x88zy6tt As a pair, write 5 rules for successful credit card use. Post them here with your names as the subject of your post. Rules will be graded for their quality/accuracy. en-us 2017-10-12 19:47:39 UTC 2017-10-16 15:21:58 UTC hello@padlet.com https://padlet.com/badavis2/7v53x88zy6tt/wish/197385187 Rule 1-There are different kinds of credit cards , chose the right one for  what it will use it for.
Rule 2- Use the card responsibly , do not make unnecessary purchases.
Rule 3-Keep an eye on your credit score, and credit card balance(budget).
Rule 4- Try not to own multiple cards, limit it as 2-3.
Rule 5- Keep your credit card in a safe places, and do not lose it, if you do , call and cancel it]]> 2017-10-16 14:50:10 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197385187 https://padlet.com/badavis2/7v53x88zy6tt/wish/197385203 1) There are many different kinds of Credit Cards, therefore, choose one that is the most beneficial for you. For Example, if you tend to go to the grocery store a lot, a card that comes with rewards may be the most worth it for you. 
2) If your credit card  balance is not paid off, an interest rate may apply, so make sure you budget so that you have the money to pay off the money that you borrowed. This also goes for late fees. 
3) Just as credit cards can ruin your credit score if used irrationally, if used correctly they can also boost your credit score. If you can afford to have one and are able to adjust your budget to make timely minimum payments, it could be a great investment in regards to boosting your credit score. 
4) Credit cards can also be used as a form of identification, therefore identity theft is prevalent for credit card users. In order to protect yourself against such, make sure you keep your credit card information private, and if possible, get a credit card that comes secured. If your card gets lost, call and take the actions suggested by the provider.
5) Credit cards take years to pay off, even decades. If you do not need a credit card, do not get one. Annual payments, interest, and late fees, among other things could be issues for the future in regards to personal finances. Unless you are sure that you can afford a credit card and can manage it, do not get one. ]]> 2017-10-16 14:50:12 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197385203 012259 https://padlet.com/badavis2/7v53x88zy6tt/wish/197387002 1: Pay attention to different cards, and different fees. 
2: Paying above the minimum amount is a good thing to do in order to reduce future payments. 
3: Credit cards are linked to a credit score, and should be handled with much more care than debt cards. 
4:Advances result in more fees, try not to take an advance if possible. 
5: Be conscious of spending, and have a budget plan. ]]> 2017-10-16 14:52:43 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197387002 https://padlet.com/badavis2/7v53x88zy6tt/wish/197390655 1.  Make sure you understand how to use a credit card before you start using one.
2. Remember that credit cards are financial tools that you control so use them wisely.
3. Remember that a credit card can be helpful to building your credit score .
4. If you get an installment loan then make sure that's repaid over time with your scheduled  payments.
5. Before extending your credit , the leaders and credit card issuers will assess your credit worthiness, so make sure that your doing what you should be doing so your credit is on point for your extension.]]> 2017-10-16 14:58:15 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197390655 https://padlet.com/badavis2/7v53x88zy6tt/wish/197392342 1.Don't buying items you cant pay off
2. keep within you  monthly budget 
3. Make payments on time 
4. Choose the right credit card for you. 
5. Make sure you understand how to use your credit card.]]> 2017-10-16 15:00:41 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197392342 https://padlet.com/badavis2/7v53x88zy6tt/wish/197393252 1 don't spend money that you do not have
2 pay monthly fees on time and pay at least the minimum
3 limit activities like cash advances in order to prevent future fees
4 only get a credit card that fits your needs
5 manage debt frequently

]]> 2017-10-16 15:02:22 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197393252 https://padlet.com/badavis2/7v53x88zy6tt/wish/197393433 1. No matter what, always make sure your credit history is in good shape. 
2. Create a budget so you keep your spending in check. 
3. Always make sure to pay your payments at the end of every month so they don't end up piling up. 
4. Make sure you know the type of credit card you're getting before getting one. 
5. Don' t buy things you don't need with your credit card. ]]> 2017-10-16 15:02:40 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197393433 https://padlet.com/badavis2/7v53x88zy6tt/wish/197394135 1) Get a credit card plan with NO annual fee.
2) Always know your credit card balance, don't spend money that your not sure you have.
3) Keep payments current on your card.
4) Always consider your options, compare plans.
5) Avoid playing a late payment fee, this happens when paying your bill after your monthly due date.]]> 2017-10-16 15:03:39 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197394135 https://padlet.com/badavis2/7v53x88zy6tt/wish/197395816 1) There are many types of credit cards you can get whichever fits you.
2) Make your payment on time.
3) Don't  use your credit card when there is no need to use it.
4) Make a plan of your Monthly budget.
5) Have a Good Credit history.]]> 2017-10-16 15:06:29 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197395816 https://padlet.com/badavis2/7v53x88zy6tt/wish/197396042 1. Get a cc when I turn 18.
2. Only use the card to pay automatic monthly payments.
3. For every payment that is paid using the cc, put away the cash to cover the cc payment.
4. Always pay the cc payment, 10 days ahead of the actual due date.
5. Never use a credit card without a plan for how I will pay back the cc issuer.]]> 2017-10-16 15:06:50 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197396042 https://padlet.com/badavis2/7v53x88zy6tt/wish/197399384 1. Always pay fees and bills on time
2. Don't take cash advances unless necessary 
3. Payments should be made in full, as they will be counted as a missed payment
4. Be Mindful of APR interest
5. Do deep research on the credit card before getting one, know their benefits and drawbacks]]> 2017-10-16 15:11:56 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197399384 https://padlet.com/badavis2/7v53x88zy6tt/wish/197399824 1) Make sure you pay your debts on time
2) Create a budget and stick to it
3) Don't spend money you do not have
4) Get a credit card with no annual fee
5) Understand how a credit card works after you get it]]> 2017-10-16 15:12:33 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197399824 https://padlet.com/badavis2/7v53x88zy6tt/wish/197400974 1)Always keep your account information private.
2)Use your credit card responsibly 
3)Always pay your fees  on time
4)Write your signature on the back of your card if you are issued a new card
5)Make sure your Magstripe on the back of the credit card isn't scratched up otherwise the ATM wont be able to read it.]]> 2017-10-16 15:14:22 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197400974 https://padlet.com/badavis2/7v53x88zy6tt/wish/197402529 1)pay your debts on time
2) don't go over your budget 
3)always pay CC payment 
4)keep a good credit history
5)don;t have late fees or you will get charged]]> 2017-10-16 15:16:59 UTC https://padlet.com/badavis2/7v53x88zy6tt/wish/197402529