Sound Tips About Credit Cards on a Budget from Frank Lazzaro

SOME SOUND ADVISE ABOUT CREDIT CARDS - You really only need two credit cards in your life. One main card and a backup card in case there is a problem along the way with processing a transaction and only use them when you are at the bottom of your debit card balance and need to "buy it" for a need, not a want! Use one credit card for an emergency fund substitute aside from your bank's emergency fund account. Avoid debt by all means. Use your bank's free auto-pay system if they have one, and you will always have good credit in your life. Never write a check out to your credit card company again with this method, plus you always pay on time. Never take on more than you can handle in debt. If you don't need a car everyday to drive, sell your wheels and take public transportation, taxi, private limo or join Enterprise Rental Club, the deals and savings are unbelievable. The weekend specials of renting a car from Friday and return Monday can be as low as $89.00 including full insurance for the whole weekend. (you will need one of your two cards for renting a vehicle) I do it all the time. The average new car payment in America is over $450.00 a month not including insurance. Think of all the money you can save by not having this debt every month and renting when you need a car only! Club points are great also on rental companies. Above all, keep away from cash advances on your credit card, It's like borrowing money from a loan shark.  Visit my website at http://www.FrankLazzaro.com