First, use your card only for things that you can afford. Treat your credit card like real money and not like credit. Did you know that it actually hurts your credit if you carry a balance that is more than 25% of your limit? So keep in mind: Using your credit card to run up your limit will not help your credit but will hurt it instead.

Second, you must use your credit card every month. But you must pay it off every month as well. It is wise to designate specific costs for your credit card. You could use it for gas and pay it off each month. Just put the money you would have spent for gas in the bank instead of spending it on gas. While using your credit card for paying for gas you pay it off with cash when you get your bill.

Finally, do you have a good reason for carrying more than one credit card? If not, then don’t. Try to learn to use your first credit card correctly. Learn to be responsible with it. You have to resist the temptation to have more than one card in order to avoid bad decisions with your money.

Are you ready to get your first credit card? If you want to know more about Kredit trotz Schufa and Ratenkredit Schufa (in german language) then visit our website at www.kredit-trotz-schufa.org

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