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>How to Save Money on Credit Cards: 8 Easy Tips
Posted by nick_niesen on October 29th Cheap Ryan Kesler Hat , 2010


Holiday shopping overloaded your credit cards? Worried about the finance charges you?ll soon start paying? Fortunately, you can use a bunch of different tactics to save money on credit cards. Some suggestions follow:


Leave Home without It


If you?re like most people, you spend more money if you carry a credit card around. Some studies show that credit card holders spend 23 percent more on average even if they don?t carry a balance on the credit cards. No investment pays an instantaneous 23 percent rate after taxes. Even business investments. Despite what one credit card issuer says, you?re really better off if you leave home without it.


Cancel Unnecessary Credit Cards


If you don?t carry credit card balances, cancel credit cards that charge an annual maintenance fee. Lighten your wallet by canceling all the cards you don?t use Cheap Ryan Getzlaf Hat , for that matter. You?ll only spend more if you use them, anyway.


Ask Your Bank to Waive Its Annual Fee


Call your bank and explain that, because of the annual fee, you might cancel your credit card. Tell the bank you think it should waive its annual fee. Your current credit card issuer will probably gulp and then waive the fee. For a two-minute telephone call, you?ll be ahead by $20 or $30. (By the way Cheap Andrew Cogliano Hat , most credit card issuers don?t waive the fee on a gold card.)


Consider an Affinity Card


If you travel on business a lot, you can easily run up $10,000 or more on a credit card as you pay for airline tickets, hotels, and rental cars. In this case Cheap Cam Fowler Hat , it?s well worth it to pay $50 for an affinity card. Once you have the card, charge all your personal and business purchases on it ().


Cancel Credit Insurance If You Have Any


Credit life insurance is usually a big waste of money. You only need credit life insurance if you know your estate will collect and you can?t get a better kind of insurance.
Credit disability insurance is usually another big waste of money. But, as with credit life insurance, you may need this insurance if you require disability insurance and you can?t get better insurance.


Cancel Credit Card Protection Insurance If You Have It


Credit card protection insurance is another waste of money. If some nefarious type steals your credit card and runs up huge charges, you are probably only liable for the first $50 or so as long as you immediately tell the credit card issuer that the credit card was stolen.


Never Make the Minimum Payment


Pay more than the minimum payment. Paying off high-interest-rate credit cards is one of the best investments you can make. (The others are typically investing in a profitable business and contributing money to a 401(k) plan in which the employer matches a portion of the contribution.) If you make minimum payments only Cheap Corey Perry Hat , your credit card debt quickly balloons. Very quickly balloons, I should say. Soon you are paying massive monthly finance charges.


Get Rid of Your Gold Card


You?re paying for the privilege and prestige of that gold card. But you knew that, right? You can probably save yourself at least $40 or $50 just by having an old, boring, regular Visa or MasterCard.


PARIS Cheap Rickard Rakell Hoodie , June 5 (Xinhua) -- Men's world No. 1 Andy Murray secured his place in the last eight at the French Open with a sweep over Karen Khachanov on Monday, setting up a quarter-final clash with Asian top-ranked Kei Nishikori.


Murray beat the 21-year-old Khachanov 6-3, 6-4, 6-4 in two hours and four minutes to record the 650th win of his career.


Murray finished five aces and a total of 29 winners. Last year's finalist could bounce back immediately after suffering two breaks in the third set.


"I think today was probably the best I have played overall," said the top seed.


For Khachanov Cheap Antoine Vermette Hoodie , playing on the center court at Roland Garros was a pleasure, but losing the match was always hard to bite.


"It's never fun to lose a match, but I took a great experience from this match to play on the center court," he said.


After experiencing a five-set thriller in the third round dalayed by the rain, the eighth-seeded Nishikori regrouped himself and came back from one set down to see off Fernando Verdasco 0-6 Cheap Josh Manson Hoodie , 6-4, 6-4, 6-0.


The Japanese won 73 percent of net points, and he managed to overcome 46 unforced errors to cruise into the quarter-finals.


Chinese submersible Jiaolong completes 2nd dive in Yap Trench


China's FTC-2000 aircraft export-version rolls off production line


Activities held across China on World Environment Day


People attend maritime security and pollution prevention drill in Shanghai


Scenery of Dongchuan Red Land in SW China's Yunnan
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