8 Indications You Go Credit Card Debt

Using a credit card unwisely can lead to credit card debt that is almost impossible to overcome. But how do you know if you are using credit cards unwisely? Here are some ways to find indications:

1. You use credit cards to meet basic needs
Your income must be used to buy daily necessities like food, clothing, and gasoline. When to use a credit card to cover the kind of purchase the necessities of life, this is a sign that you are in financial difficulty.

2. You do the balance transfer credit card to avoid paying another
There are times when a credit card balance transfer is quite reasonable, as to consolidate credit card balances or to obtain a lower interest rate. Yet often the case, transfer balance to avoid 'red signal' in the payment of credit card bills.

3. You missed one credit card bill to pay another credit card
Prioritize credit card payments is a wise way. But the missed payment is unwise. If you consistently find yourself constantly short on cash to make a credit card payment, you are in credit card debt problems.

4. Avoid or ignore your monthly credit card bill
Pretend your credit card debt there is never just give time for the debt continues to grow. Dealing with credit card debt more quickly will give you an opportunity to overcome the debt before it becomes unmanageable.

5. Credit card bill more than you paid for
Imagine trying to fill holes while others shoveled it more than you put into the hole? This is equivalent to debt, credit card debt will always increase.

6. You do not have an emergency fund
If you do not have an emergency fund, you will be forced to use a credit card in an emergency situation.

7. You do not have a plan to pay off your credit card debt
A financial proverb says "Failing to plan is planning to fail". Do you have excessive credit card debt or not, you should always have a plan to pay off your bills.

8. You use credit to buy expensive items
The attractiveness of the credit is to make us think that we can afford to buy more than we can really afford. The truth is, only the additional revenue or lower costs (or both) allows you to buy more expensive items. Cause credit card debt to maintain a lifestyle not a wise decision for your future income.

If the limit used up all your credit card, your credit card debt does not go, you're in it. What are the next steps? Making the decision to pay off your credit card debt and to make wise choices about the use of your credit card in the future.

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