We normally recommend three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at least one card that you can use. Because of possibilities like these, it’s a good idea to have at least two or three credit cards.

Credit cards may seem convenient, and sometimes even necessary but what are the advantages and disadvantages of owning credit cards? Some credit cards offer travel perks, rewards, cash back, but they also come with fees, interest rates, late fees etc. Credit cards can help you build credit or lead to bigger debt. It is important to know what you are getting into.

Credit cards of course have these advantages, more money to spend that you can pay later, travel perks and reward points, some credit cards can even offer 0 % interest rates. Credit cards can even help build up your credit score. Yes, credit cards can be a huge help when low on cash, but it can lead to bigger problems.

Overspending is a huge issue when opening new credit cards accounts, it is easy to swipe and forget about the balance when it can be paid later. Some credit cards have high interest rates, and you can pay more later. Just like credit cards can help your credit score, they can also significantly damage it, it also depends on the credit limit percentage that you are using.

Credit cards are not the problem nor the solution but knowing when to open a credit card and knowing how to use it. Beware of hidden fees, past due payment fees, high interest rates, calculate what you will be paying later before making the purchase. Pay off the credit card balance as soon as possible, use no more than 10% of the credit limit to help boost your credit score or maintain it.


A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link creditservicesofamerica.com to schedule your FREE consultation and create your

personalize plan to achieve your credit and debt GOALS!


*Individual results may vary. Please call for details and to discuss your own individual