Credit Card New Year’s Resolutions

Friday, January 2nd, 2015

Now when you are up to making some New Year’s resolutions don’t forget about setting some financial goals for 2015. Specifically, there are goals you should set regarding your credit cards, credit card balances, and the way you use credit cards. If you do not want to wince every time you read your statements, take a deep breath and start 2015 with these credit card New Year’s resolutions.

  • Pay balances on time and in full. This is the best way to avoid interest on your credit cards. When you pay off the statement balance in full each month, you save money and maintain your high credit score.
  • Start earning rewards. If you do not carry credit card debt, you may want to work out a rewards-earning strategy. Most reward credit cards offer bonus points, miles or cash back for spending on those credit cards.
  • Make sure your credit card fits your needs. Take a look at your card, especially ones you use more often. Make sure you get the most out of all perks your credit card has. If your spending habits or lifestyle has changed you may want to start shopping around for a new credit card.
  • Make use of your credit cards’ benefits. Most credit cards come with valuable benefits like purchase protection, travel insurance, car rental insurance, extended warranty, trip cancellation insurance and other perks and services that few cardholders use.
  • Scrutinize closely every statement. It is very important to look through each statement to find any charge that shouldn’t be there. Nobody is protected from unauthorized charges and if you notice one, you should alert the credit card issuer in order to have the transaction reversed.
  • Stop paying fees. Credit cards have many fees which can be avoided. If you travel abroad, you can avoid foreign transaction fees by using a credit card that does not charge these fees. Setting automatic payments will help you avoid late payment fees. And if you do not want to pay an annual fee, simply get a no annual fee credit card or call the credit card issuer to waive it.

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