A Beginners Guide to Credit Cards
If you are new to the world of credit cards, then it pays to familiarise yourself with the way they work before you go on any lavish spending sprees. Arming yourself with the necessary knowledge can prevent you from slipping too far into the red. Remember - falling into debt is easy; getting out of debt isn't! Credit Limits Card issuers will place a limit on the amount you can spend; going beyond that limit will probably mean that the card will get refused when you next try to use it. However, some credit cards will allow you to spend over your limit, but be aware that you may be penalized with extra charges if you do. If you have proven to your issuer that you can use credit cards responsibly, then your credit limit will probably be increased. ...
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