Credit Tips for Women - what women need to know about credit! |
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Women, credit with a credit card...
Credit Tips for WomenIt is a good idea for women to have their own credit in the event something happens to their spouse because it takes time to have good credit and good credit scores.
Credit Tip 1 For Women: The best credit tip is to consider applying for a credit card in just your name - not in your husband's name! Remember, as a women you need to get your own credit established too.
Credit Tip 2 For Women: Apply for a 0% interest rate to get the lowest rates. There are many choices for these credit cards. The great thing about Discover cards, is that you can get a pink or purple credit card! Do not charge more than 30% of your credit line. Only charge what you can pay in full every month. This helps create good credit and good credit scores by paying balances on time or in full every month.
Credit Tip 3 for Women: Apply for a credit card with low interest rates, and benefits that are suitable for your needs - like cash back perks, etc. Review all the terms and conditions. Remember don't over charge because the key to good credit is making credit card payments on time every month.
Credit Tip 4 for Women: Use your credit card statements to track expenses! This is a great way to see where you spend too much money and a great way to track expenses that you may need to deduct on taxes. Credit card statements are good to use to make a budget. The goal is to have excellent credit for you - credit in just your name. Excellent credit scores that will benefit you for all your credit needs in the future.
Credit Tip 5 for Women: Use a credit card wisely, charge only what you can pay off each month to get on the right track to have excellent credit and build great credit using a credit card.
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