Things You'll Need:
- Patience and being able to read the fine print.
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Step 1
1. Always Read the fine print on the credit application. Once you sign on the dotted line they debt is yours.
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Step 2
2. Avoid applying for credit cards that send mail outs to your home. They target people with low credit ratings to charge them higher interest rates. They are companies in the business to make money. The higher the rate the more cash the company makes.
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Step 3
3. Always Pay your blance off monthly. Carrying a balance month to month lowers your rating and keeps you paying interest.












Comments
rleeevans said
on 6/8/2008 Also, avoid cards with annual fees; most the time, their not worth!