It is always advised that it if you have a Citibank credit card in your wallet, or any other credit card for bad credit, you should primarily use it for bigger purchases. A lot of people using credit cards usually complain of this one thing which is that their smaller purchases such as grocery shopping or maybe online orders make up for a lot of expenses at the end of the month. This is because when we let them go unchecked, they tend to accumulate faster at the end of the month and that amount is enough to almost give you a heart attack.
The Best Way To Avoid This Situation Is To Use Cash
Yes save up for your small purchases in cash so that you can stay away from any credit card debt. You should use that cash for your regular and small expenses and leaves the big purchases for your Citibank credit card. This helps you reap the reward points at the end as well.
Creating A Strict Timeline For Your Big Purchases
Yes, this also helps you use your Citibank credit card wisely because you will be adhering to a strict timeline set by no one else but you. You know that you will have to pay a bit of interest at the end of the month by spreading out your payments widely. But that is alright because a lot of credit cards also offer an introductory 0% APR in the beginning. You can use this period intelligently and stick to your plan carefully so that you can pay off the entire amount on time. It is also advised not to use your credit card again until you have paid off the entire amount of one particular big purchase in full. It is never a good idea to carry forward any balance or any outstanding amounts on any of your credit cards.
Related Posts:
Bring In Citibank Credit Card, Bring In Easy Finances
Citibank Credit Card 