{"id":5020,"date":"2019-05-14T16:08:19","date_gmt":"2019-05-14T20:08:19","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/?p=5020"},"modified":"2019-05-14T16:08:19","modified_gmt":"2019-05-14T20:08:19","slug":"credit-cards-use-these-tools-wisely","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/en\/personal\/loans-and-debts\/credit-cards-use-these-tools-wisely\/","title":{"rendered":"Credit Cards \u2013 use these tools wisely"},"content":{"rendered":"
\n

Credit cards can be friends or foes, depending on whether you use them wisely or impulsively.<\/p>\n<\/div>\n

Used wisely, a credit card can be your ally<\/h2>\n

Being careful and thinking ahead is the right attitude to have when using credit.<\/p>\n

Your project > How you can make credit work for you<\/h2>\n

Build a good credit report<\/h3>\n

If you pay for your purchases with a credit card, pay your balance in full each month. You\u2019ll build a good credit report, which will come in handy later when the time comes to borrow a more substantial amount, such as to buy a home, for example. To find out more, see Your credit rating.<\/p>\n

Pay for unexpected expenses<\/h3>\n

Be sure to pay your credit card balance in full each month to avoid paying interest charges.<\/p>\n

There is, however, an even better way to pay for unexpected expenses: you can save up for an emergency fund.<\/p>\n

Reserve or rent goods and services<\/h3>\n

Credit cards can come in handy if you need to rent a car or reserve show tickets. However, the same rule applies when it comes to paying your card balance: pay it in full by your statement due date.<\/p>\n

Accumulate reward points<\/h3>\n

Some credit cards give you reward points when you use it to buy goods and services<\/p>\n

Used impulsively, credit cards can harm you<\/h2>\n

If you consider your credit card as part of your available income and use when you need extra cash, watch out!<\/p>\n

By doing so, you are artificially inflating your income and deceiving yourself about how much you really make.<\/p>\n

To help you see more clearly into the situation, your Caisse populaire has a section for you about\u00a0budgets<\/a><\/p>\n

The next step<\/h3>\n

See\u00a0Pay off your debts<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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