Author: Noel Hynes 作者：诺埃海因斯
Article source: http://www.whatprice.co.uk/ . 文章来源： http://www.whatprice.co.uk/ 。 Used with author's permission. 用作者的许可。 Are you one of the thousands pulling your hair out trying to figure out how you're going to pay your credit card bills?你是一个数千拉你的头发了试图找出您如何去支付您的信用卡账单？ Using your credit cards wisely and sensibly will help you avoid financial problems and establish a strong credit rating, so here's some information to help you get your credit card problems under control.使用您的信用卡明智和理智将帮助您避免金融问题，并建立一个强有力的信贷评级，因此这里的一些信息，帮助您获得您的信用卡问题受到控制。 Credit cards are convenient for buying things now and paying later.信用卡方便，现在买东西支付更高版本。 Credit card companies are in business to make money.信用卡公司在业务赚钱。 Don't forget that every time you use your credit card you are borrowing money.不要忘记，每当您使用您的信用卡你借钱。 You will pay a finance charge if you don't pay off your balance each month.您将支付融资费用如果你没有还清您的余额每月。 Millions of people use credit cards to avoid carrying large amounts of cash, for emergencies, to track spending, etc. However, charging more than your income allows can be worrisome and potentially devastating to your finances and your credit rating.数以百万计的人使用信用卡，以避免携带大量现金，用于紧急情况，跟踪开支，等等然而，收费超过您的收入允许可令人担忧的和潜在的破坏性到您的财务状况和您的信用评级。 The pitfalls of credit card use are the accumulation of large amounts of debt and the inability to make more than the minimum monthly payment.陷阱信用卡使用积累的大量债务和未能超过每月最低付款。 It's important to look out for your own interests.重要的是要留意自己的利益。 Some credit card companies have lowered minimum monthly payments to less than two percent of the balance.一些信用卡公司已经降低每月最低支付给不到两年的百分之平衡。 It could take 30 years or more to pay off your credit cards if you pay only the minimum payment.这可能需要30年或更长的时间才能还清你的信用卡如果你只支付的最低付款。 Debit cards should not be confused with credit cards.借记卡不应该混淆的信用卡。 There is no credit extended with a debit card.没有信贷的借记卡。 The money is deducted directly from your savings or checking account.这笔钱是扣除直接从您的储蓄或支票帐户。 The bottom line is don't spend more than you can afford to pay on a monthly basis.底线是不花费超过您可以付得起每月基础。 Limit the number of credit card applications you fill out.人数限制信用卡申请填写。 There will be an inquiry into your credit report for each application you submit.有一个调查，您的信用报告为每个您提交申请。 Your credit report contains a record of every company or institution that has evaluated your credit.您的信用报告包含了创纪录的每家公司或机构评价了您的信用额度。 It reflects negatively on your credit score if you have an inquiry that does not lead to the issuance of a credit card.它反映了消极影响您的信用评分，如果你有一个调查，不会导致发行信用卡。 Obtaining too many credit cards can affect your ability to finance other purchases as well, such as homes or automobiles.获得太多的信用卡可能会影响你有能力购买的其他资金，如住房或汽车。 Too much available credit can cause suspicion in the eyes of a lender as to your ability to repay your potential debt.太多的可用信用额度可引起怀疑的眼神中贷款人对你有能力偿还债务的潜力。 Consider what you are looking for in a credit card such as the interest rate, annual fee, grace period, and credit line.试想你正在寻找的信用卡，如利息，年费，宽限期，和信用额度。 Be wary of companies offering cards with a low introductory interest rate that often lasts for only a brief period of time, after which they become considerably higher.警惕信用卡公司提供的低利率介绍，往往只持续了短暂的时间，之后他们成为相当高。 The average interest rate for credit cards is over fifteen percent.平均利率信用卡超过百分之十五。 Choose a credit card with no annual fee.选择的信用卡没有年费。 Credit card issuers are paid a percentage from the vendor each time you make a purchase.信用卡发卡银行支付一定比例从供应商每次进行购买。 Many companies have waived the annual fee to attract customers.许多公司都放弃了年费，以吸引顾客。 Avoid cards offering a high credit limit.避免卡提供一个高的信用额度。 There is great potential to overspend.有很大的潜力超支。 Instead, pay down your balance before using your card to make additional purchases.相反，支付您的余额，才能使用您的信用卡，使更多的采购。 Send in your payment well ahead of the due date.在您发送付款远远领先于到期日。 Issuers may charge late fees, and late payments could result in a considerably higher interest rate than the advertised rate.发行人可以收取滞纳金，并延迟付款可能导致相当高的利息率高于公布的利率。 So the bottom line is by using your credit cards wisely you can reduce adverse effects of credit cards and maximize the benefits by spending wisely, using self-discipline, and paying off your balance as quickly as possible to avoid unnecessary fees.因此，底线是使用您的信用卡，您可以明智地减少不利影响的信用卡和利益最大化的明智支出，用自律，回报您的余额尽快以避免不必要的费用。 About The Author作者简介 © Noel Hynes is the owner of http://1st-for-credit-cards.com . ©诺埃是海因斯的主人http://1st-for-credit-cards.com 。 Easy online credit card applications.轻松网上信用卡申请。
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