15 Ways To Be Credit Smart

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6. Build up your credit

Use your credit card wisely for only those items that you can afford. Don’t buy stuff with your credit card that you can’t afford. If you don’t follow this, then you can land up in some serious trouble in the near future, as you will not be able to pay off your card balances. And, this will in turn lower your credit score. Thus, only purchase things for which you can pay.