Credit Card Smart Sense
- Credit cards that offer cash back, travel rewards, rebates, etc. may carry higher fees and/or interest rates.
- Make sure to send your payment 10 days before it is due. This will reduce the chances of a late payment. Remember, late payments not only can raise the interest rate of the credit card in question but in fact all of your credit cards.
- Avoid interest charges by paying your full bill each month.
- Although not recommended for the undisciplined spender, shift your entire balance from a high interest credit card to a lower interest credit card.



