Don’t be in the habit of thinking of your credit card as a loan.  It’s a convenience.  Pay all credit card balances in full each month.  Leaving a balance on a credit card account will leave you susceptible to a very high interest rate or APR.  It’s like throwing money away.  Extra interest charges and bank fees are some of the easiest expenses to eliminate.  Switch banks if the bank you use is charging fees for low balances or checking account statements.  Reduce credit card debt to avoid high monthly payments that are comprised predominantly of interest charges.  For a lower credit card rate or to find a credit card for a balance transfer, visit

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