Why Are Your Credit Cards Increasing, Not Decreasing ? 

     You can treat a credit card like "having money". Then, whenever you need it, you "can have it". It sounds very incredible and yes it is, it is just yours ! But this is also the actual real crazy reason, why most of the people have huge debt. They themselfes also had this money available - it was just sitting there infront of them !

You hear them saying "this is so fantastic, now I can buy ..." and then ... "it is so easy paying it all back." Then they explain something else and say "This is actually the car, I was looking and waiting for since a long time". And then there are some other situations, where you may hear "right now I have no money paying for that, but I will use my credit card, because I have to."

What is their mistake ?

They assume, that they "have" money, but they go shopping with their credit cards. And they also know, if they would use their checking account money, somewhere it would go down to "0" ... giving them a Finite - Nada ! And this can make people very upset.

"I have five credit cards" is a real feeling of power.

What is now successful, to keep                                                                                     your credit card in a good shape ?

     1. Know the credit limit and the APR for every of your cards.

     2. Know the billing day (due date) and the date for your next statement to come out.

     3. Does the finance charge for a month get generated together with the statement for that month, or does it get generated already at the beginning of that statement period, as soon the last statement got created. This is very important to know, if you are already operating at your credit limit. You can overcharge your card, only because a monthly fee got generated by the bank. You thought you had it under control, you watched it - and then peng !

     In the moment you know your APR and what the percentage for your minimum payment is,

     ... then you can figure out the following:

 - How much money are you getting on your job every month.

 - what are exactly all the bills you are paying each month on a regular basis, including food, cigarettes - everything !

 - How much money is now left-over every month, where you could pay for something else as a routine. If there is some money left, you can use your credit card, because you can pay it back.

The Ideal Scene

     You know now the left-over amount of your pay, and you know your APR and the card's minimum payment plan. Now you have to figure out, how much debt you can create on your card, and still be able paying it all back. Your credit card could have a limit of 15.000.- $, but you can only securely give back a monthly payment fitting to a limit of 7000.- $. So you know, using this card with a limit of 15.000.- $ allows you only using an amount of 7000.- $, otherwise you couldn't pay it back.

This is called personal ethics on finances.

     But in the moment your boss is paying you more money for your job, then you can also "increase" your own "credit limit" per the minimum payment plan of your card, for that much higher too.

My personal trick, to get the best APR deals !

It is a longer process over several months.

     You got your first credit card and off course, you use it like hell. But you always pay your monthly fee. You would prefer dieing, rather than not making your monthly payments. Then, from the same bank or several others, you will receive more credit card offers (called applications). You apply and you receive the new cards, but you don't use them, not for one moment in your life. You still use only your first card. Several months later and to catch your full attention, these cards start offering you very incredible balance transfers deals with very low APRs. This is your special moment to jump into. You say to them "Do I really have to pay for this transfer fee of 75.- $, because this is actually not, what I want." They'll find ways to service you per all your needs. I had 25.000.- $ debts on cards with just 3.99 APR  for the lifetime of the credit. Where else can you get such an incredible cheap loan from a bank.

     You can do this even just within one bank. If you own 3 credit cards let's say from CitiCards, you can already start transfering money from one to the other. Then you can take the debts from the CityCard with the highest APR and transfer it to the CityCard with the lowest interest rate. You can also interchange your credit limits. This is just another big advancement, you can do.

     The thing is, if you are interested in your personal life and what is happening, trying to handle whatever problem may come up, you will find solutions and your own way to optimal survival.

So let's put some energy into it and get it rolling.

 The Findshoppingsolutions.com Team

Having some personal annoying debt can be a continual problem for many years. But there are still ways and possibilities, to come more easily out of this situation in finding new ways, how to create more money for oneself and the familiy. Our Home Business section can help you on that.

But if you are planning to handle your situation with a professional company, then get a free finance consultation.

www.findshoppingsolutions.com