Make wise decisions about purchasing items you need versus that you simply like.
Let your creditor know in advance if you won’t be able to make your monthly payment on time.
Stay within 30% of your credit limit.
Negotiate a lower interest rate than the offers you receive.
Don't Use to make everyday purchases. Use cash or debit card
instead.
Don't Get into the habit of making minimum-only payments.
Don't Use to buy things you can’t afford.
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