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How to Achieve a Perfect Credit Score
How to Apply for a Credit Card
How to Apply for a Credit Card With Bad Credit
How to Break the Credit Card Habit
How to Build a Good Credit History
How to Check a Credit Score Online
How to Choose a Credit Card
How to Contact Credit Reporting Agencies
How to Deal With Debt Collectors
How to Dispute a Credit Report Inaccuracy
How to Do Your Own Credit Repair
How to Eliminate Credit Card Debt
How to Establish Credit
How to Find the Best Credit Card Rates
How to Fix, Repair a Bad Credit Report Rating
How to Get a Free Credit Score
How to Get a Lower Interest Rate on a Credit Card
How to Increase Your Credit Score by 100+ Points
How to Negotiate a Better Credit Card Deal
How to Settle Credit Card Debt
Sometimes we do things repeatedly that we know are bad for us, unhealthy, counterproductive to our goals a… More
A habit is something done over and over again. Learn how to be successful by analyzing good and bad habits… More
You might have tried to change a habit again and again, only to end up feeling as if you have no willpower… More
Break a credit card habit by ceasing all credit card charges and using a debit card. Stop paying interest … More
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In order to stop drinking alcohol, a person has to want to stop drinking alcohol, and they usually reach t… More
Everybody is late for something at one time of another. Traffic can be excessively congested, cars will ha… More
Summary: Break a credit card habit by ceasing all credit card charges and using a debit card. Stop paying interest and end the credit card cycle with tips from the vice president of a bank in this free video on credit counseling.
Stephen Fawehinmi is the vice president of business banking at the Bank of Nashville in Nashville, Tenn. He has been a lender for more than 10 years. Fawehinmi graduated from Cal State...read more
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"How to break the credit card habit, now it depends on really from a perspective of the individual using the credit card, because some people use the credit cards and use them very effectively. Meaning that they do not charge more than what they know they can pay for at the end of any particular month that they've used that credit card so if you are able to do that, great, and if not and if it becomes a really bad habit to where you are having high credit card balances and you are unable to pay them. You're paying less in interest...you're paying more in interest than you're really are paying towards the principle reduction on there. Then my advice to you would be to stop using the credit card. Throw it, put them away, leave them at home hidden in a place out of sight, out of mind and start using your debit card, cause then those you know then you are using money that you have in the bank and that will probably be one of the primary ways for you to avoid the credit card habit if, again, you don't have the discipline to only charge what you can use on a monthly basis and be able to pay back every time you get your statement in full without having any credit card balances. We've already talked about you keeping your credit cards at home. Keeping them in hidden places away from where you kind of use it, that will allow you the time to be able to pay down these credit cards without incurring any additional principle amount getting onto that. And you obviously don't want to destroy this or maybe you want to limit this down to two credit cards that you have and just make sure you keep them again away and only use them in case of emergency."
eHow Article: How to Break the Credit Card Habit
Meet Mark P Cussen, CFP, CMFC eHow's Personal Finance Expert.
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