Tag: credit card payments

Maintaining Good Credit Habits

– Don’t max your credit cards
– Keep a healthy credit utilization ratio (most creditors consider a ratio of 35% or lower as healthy)
– Make your monthly credit card payments on time
– Keep tabs on your scores and check your credit report regularly

In general, keeping a low balance on your credit card or paying your credit card off each month is ideal. However, letting your credit cards sit idle, without activity, it may not benefit you as the creditors have nothing to report.

Changing Monthly Due Date for your Credit Card

Most credit card companies will let you change their card’s monthly due date. Doing so may help you spread your expenses more evenly within each month. Just remember, if you end up calling in and getting your monthly due date changed, take note of it so you don’t forget and miss a payment! Also, changing the credit card’s monthly due date may only be allowed once during a specific period of time.