Credit cards can be your best friend or your worst enemy, depending on your discipline and understanding on how to use them. If you know how to use one properly, you will not be drowning in debt a year or two after getting the credit card. One of the most effective ways to escape the high rates and financial charges imposed by credit card companies is to pay off the bill on time. Unfortunately, not all of us are able to do this religiously. There are some months when some unforeseen expenses eat up the budget that we have allocated for credit card bills payments. If you don't want your credit standing to suffer, you must find a way to pay the bill before or on the due date.
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