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What Are Credit Cards?
By Prerna
A credit card is a financial agreement between the cardholder and the bank or credit union. This card contains a magnetic strip thatcontains the personal identity and secured information of the holder. This cardalso contains the photo of the card holder and is used at the money dispensingmachines (Automated Tailor Machines or ATM’s).

It is small card that contains the complete financialdetails of the customers. The terms of the deal are set by the lender whichinclude how often payments are to be made, what will be the minimum payment,and what the rates of interest that will be applied are. The borrower has topay not just the borrowed amount but also the additional charges based on therate of interest.  

Credit card is a beneficial tool for the customers. Some ofthe benefits are: 

• Emergency Protection:If you’re ever in an emergency, you’ll see how helpful a credit card can be.Whether you’re stuck with medical bills or auto repair fees, these credit cardscan be used anywhere and at anytime.
 
• Convenience: There’s no need tocarry money in the wallets. Just the plastic card is enough. You can buyanything what you want at any time even if you don’t have cash withyou.
 
• Building Your Credit: If youdream of buying a house or really nice car, you need to have a credit historythat demonstrates that you can take on debt and pay it back on schedule. Youcan use a credit card to make small purchases and build up your credit score bypaying your statement on time.
 
• Security: Large amounts of cashcan be lost or stolen. But if your credit card goes missing, you can have theaccount cancelled and a new card issued without losing any of yourmoney.

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credit limit can be a problem. That’s why it’s important to think of yourcredit cards as tools that you can use.  Some of the important things to be kept in mind that willhelp you to manage your credit card debt are: 

• Go Back to Cash: Ifyou’re having trouble keeping your credit card in your pocket, switch back tocash for a while. Using cash for a bit will help you remember that littlepurchases add up.
 
• Make a Budget: The first stepto financial freedom is a realistic budget. Sticking to a budget will help youfrom splurging with your credit card.
 
• Get Credit Counseling: If yourdebt gets out of control, talk to someone! Ignoring your credit problems won’tmake them go away – it will only make them worse. Talk to your parents or atrusted friend who may be able to help, or consider getting help from a groupor institutions that can help you with your problems.
 
• Set a Limit: Many analystsrecommend keeping your credit card balance around 30% of your credit limit formaximum benefit in the formula used to calculate your credit score. A promiseshould be made to yourself that you will not exceed the limit and the creditcard debt will not go out of control.

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