Tiffany Raiford
Part of being a responsible credit card holder is ensuring that you use your cards responsibly. Sometimes this is easier for some than it is for others, and it all has to do with your ability to be financially responsible. The First National Bank credit card is one that many people have in their own wallets, and those who practice good credit usage are the ones who benefit from this card. While it offers a number of benefits for cardholders, the biggest benefit that this card has to offer you is the chance to have good credit and a high credit score. We can offer you a few invaluable pieces of invaluable advice that will make it possible for you to use your cards wisely and ensure your credit score remains high and good. These rules apply to people who have any credit cards or credit in their name, but if you plan on applying for a First National Bank credit card, this information is going to be the most valuable to you.
Keep Spending to a Minimum
The only time it’s okay to spend, spend, spend using this card is if you pay it off in full each month no matter how much you spend. If you do not do that, you want to keep your spending to a minimum so that you can afford to pay it off at the end of the month.
Keep an Eye on your Account
While it’s entirely possible to dispute charges that were not authorized by you, it’s a long process for some. You have to prove you did not use your card and that someone else had access to it. This is not always easy, and so it’s better to just keep your eye on your account using online banking as often as possible.
Pay On Time
Sure, that one time you paid a day late isn’t the end of the world, right? Wrong. It is the end of the world as far as your finances are concerned. While it might not be the end of the world as far as your credit score, since most companies report only after a payment is 30 days late, your interest rate is going to climb sky-high even just one day late.
Photo Illustration by Justin Sullivan/Getty Images
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