Behaviours That Will Land You in Credit Card Debt

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We can’t deny the convenience credit cards bring. However, this convenience comes with danger. If you’re planning to get a credit card, you should know the behaviours that will land you with high credit card debt.


It’s easy to overspend when you have credit cards. It’s because credit cards give you a false feeling of security. It’s best to set a personal limit when spending and use credit cards only when necessary.

Paying only the minimum

Paying only the minimum when it comes to your credit cards is a debt trap. If you don’t pay your balance in full, a portion will go towards the interest payments. This will increase the amount of time needed to pay off your credit card balance. It’s always best to pay your credit card balance in full each month to avoid paying more for purchases due to the high interest rates on your credit card.

Misunderstanding credit card terms

Credit card terms are confusing. There are different interest rates on a single credit card. Knowing which rate will apply for certain situations or spending is confusing. Confusion can lead to misunderstanding, which can lead to serious financial consequences. To avoid such a situation, it’s best to read the details of your credit card and contact the credit card’s customer service if you have questions.

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