SearchExclusive.com

7 Useful Credit Card Lessons Your Parents Didn’t Teach You

It is common knowledge that credit cards make it quite easy to make purchases and pay bills, especially when you don’t have sufficient balance in your bank account. Also, you must have learned from your parents that credit cards help to increase your credit score. Maybe, you also know that credit cards make it easy to get approvals for loans and mortgages. But have you ever wondered about the possibility that your parents may not have told you everything about credit cards? Don’t worry. This is the perfect guide for you. Here are some of the important credit card lessons that your parents probably forgot to teach you.

It is called credit card for a reason
The most important thing to understand is that credit is simply a loan that a bank gives you for a specific period of time. You cannot call that money your own. You are obliged to repay it, with interest, before the due date.
Making timely payments is crucial
This is a hard-hitting truth, but the bank is not your personal property. Therefore, it will not wait for you to make the payment. The more you delay, the more you will be asked to pay in terms of late fees.

You Might Also Like: Setting Spending Limits With Your Bank Or Credit Card

You can request an interest reduction
Not many know this, but you can request banks to cut you some slack on the rate of interest levied on your credit card bills. All you need is to do is send a request through an application for interest rate reduction. This way you will save a lot of money on interest.
Avoid lending your card to your friends: Although it may seem harmless to help out a friend by lending your credit card to them, you ought to be careful with matters related to your personal finance. You may trust your friends and their financial habits, but it is always advisable to keep your credit card for your own personal use only. You know you can pay back, but you cannot guarantee the same for your friends.
Don’t be lazy with reward points: Reward points may just be figures appearing in your statement for you, but they are actually quite crucial. They can help to pay off a lot of bills that you may be struggling with. Or you use them for your holidays or to make purchases. Use them wisely instead of simply ignoring them.
Have the payment ready before you even swipe your card: This does not actually mean that you have to keep cash ready before swiping your card while making any purchases. It simply means you should ensure that you have a source of income with which you can pay off the credit card dues.
All frauds are caught someday: There have been several instances when customers have applied for multiple credit cards and have used one card to repay the dues of another card instead of paying back out of their own pocket. This will be caught some day, so refrain from engaging in such activities.

Keep yourself updated with the latest on Credit Cards . Like us on Facebook and follow us on Twitter for more on Investments.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.