10 Simple Steps to Manage Your Credit 10个简单的步骤来管理你的信用 By far the greatest invention the banks have ever come up with came out in the 20th century.迄今为止最伟大的发明,银行都拿出来了,在20世纪. Also the new field of Credit Management was born with the invention of the credit card.还新领域信用管理的诞生与发明的信用卡. It is the most available out of any financial product out there.这是最可进行任何金融产品出来. In fact more than 80% of the U.S. households have at least one credit card.事实上,八成以上的美国家庭至少拥有一张信用卡. If you want to consider yourself as the "Average" American then you have about 8 credit cards burning a hole in your wallet right now.如果你要考虑自己为"平均"的美国,然后你有大约8信用卡烧了一个洞,你的钱包所折服. To make sure that you don't get yourself in any trouble (again) try and follow these 10 Simple Steps for Credit Management.要确保你没有得到你的任何麻烦(再次) ,并尝试走这10个简单的步骤,为信贷管理.
1. 1 . Ignore the bank's/lender's rule on what is an "acceptable" level of debt.无视银行/贷款的细则对什么是"可接受"的债务水平. Your debt-to-income ratio, as they like to call it, is how much debt you can carry to the amount of money you bring make.您债务对收入比率,因为他们喜欢称呼它,是有多少债务,你可以携带多少钱,使你作出的. Depending on how well you have managed your credit in the past it can fluctuate quite a bit.视乎如何好,你有你的管理信用,它在过去的波幅颇大. The average is about 25%.平均约为百分之二十五. The ideal number is of course ZERO but for starters work on getting it down to 10-15%.理想的数字,当然是零,但起动机工作,它越来越下降到10-15 % .
2. 2 . Remember what a credit card is...A Credit Card.记住信用卡… …信用卡. Just because they have waved their magic wand and sent you your "Pre-Approved" Card doesn't mean go out and use it.这仅仅是因为他们挥舞着魔杖,并送到你的"预先核准"牌并不等于走出去,并使用它. The bank does not know your situation or your lifestyle all they look at is the number that you should be able to pay off using most of your "extra" money.银行不知道你的处境还是你的生活方式,他们都看看是多少,你应该能还清大部分用你的"额外"的钱. They will keep you paying them for the rest of your life if you let them.他们将让你付出他们的一生,你的生活,如果你能让他们得逞.
Which brings me to the next point...这就是为什么我要下点… …
3. 3 . Don't pay just the minimum balances, unless of course you like paying 400% or more in interest.不要只付最低余额,当然,除非你想交了400 %以上的利息. A typical Credit Card debt of $4,500 would take you about 44 YEARS to pay off!一个典型的信用卡债务达4500人,将带你大约44年还清! And you would end up paying about $17,000 total by the time you are done.你们将为此付出约17000元,总的时候,你正在做的. When you stop and think about it, does that sound like a good deal to you'当你停下来想一想,是否听起来是一个好的协议,给你』
4. 4 . Play the Game- Remember that you are the customer and "the customer" is always right.游戏--请记住,你是客户与"顾客"永远是正确的. When it come to annual fees and higher interest rates ask for a lower rate.当它来的年费及更高的利率要求较低. And if you slipped up and got a late fee ask to get it waived (make sure you promise never to do it again...well at least for six month) Remember that it is a lot more cost effective for them to keep a customer happy than it is for them to go get another one.如果你跌起来一晚收费要求获得豁免(作出肯定的承诺,你永远做一遍… …好,至少半年)记得那是一个庞大的更具成本效益,他们把顾客快乐比,它是让他们赶快去另一家. Your $29-$35 late fee does not come close to the money they will have to spend to get a new one of you.你29元- 35元底费不接近钱,他们将不得不花钱来得到一个新的你.
5. 5 . While you are playing the game don't get blindsided by the fees.当你玩游戏并没有得到58.5亿的费用. The banks have come up with some very creative ways to make money at your expense.银行想出了一些非常有创意的方法来赚钱,你的牺牲. They have the ones that everyone knows like over the limit fee, late fee, and extra card fee.他们已是大家都知道像超限费,逾期费,没有额外的卡费. However, they also have the less obvious fees like account transfer fee, and a fee for talking to a live person instead of a recording.不过,他们也有较明显的费用一样到过户费,费用交谈一个活生生的人而不是一个记录. Make sure you look at your statement and check out all the charges.确保你看看你的声明,并检查所有费用. Some of them may surprise you.他们有些可能令你感到惊讶.
6. 6 . Know how you stack up- BILLIONS AND BILLIONS of dollars are charged annually to consumer on mark ups in interest rates.知道你们栈设立十亿美元的费用,每年向消费者身体马克利率. That's a lot of money when you look at your share.这是一个赚大钱的时候你看看你的市场份额. Your credit information is something you should look at and make sure it is accurate.你的信用资料,是你应该看看,并确保它是正确的. About 25% of all credit reports have erroneous information contained in them.大约25 %的所有信用报告中有错误的信息包含在其中. Make sure your information is accurate and keep an eye on it regularly.确保你的信息是准确的,并着眼于否定.
7. 7 . Know you limits- When you know you will have a hard time paying even the minimum balance STOP charging.知道你的极限时,你知道你会很辛苦,甚至付出最低余额停止收费. It may sound simple but for millions of Americans it is very hard to do.听起来简单,但对于数百万的美国人很难做. Of course the easy way Hind sight 20/20 don't get in the situation.当然最简单的办法回头20/20没有上场的情况.
8. 8 . If you are one of those people that are disciplined enough to pay off your balance at the end of the month then make sure you are getting some bonus for being such a great user.如果你是一个人有足够的纪律还清你的平衡上月底,然后作出肯定,你得到了一些奖金作为一个这样的大用户. Get the free stuff that you can use.获得免费的东西,你可以使用. Some extra Flying miles, free gifts, Cash back reward (my favorite).一些额外的飞行哩,免费赠品,现金返还奖励(我的最爱) . If you are going to use it might as well get something for your efforts.如果你要使用它,不如跟你的努力.
9. 9 . Only have what you need- You Should have 2 cards, one for what you use regularly and pay off every month and the other for emergencies or business.只要您需要什么,你应该有2张卡片,一有什么用,你定期还清,每个月和其他紧急情况或业务. When you start trying to take advantage of all the deals out there the only one who gets taken advantage of are you.当你开始尝试利用一切交易出在那里,只有一人得到利用你. Overkill on your credit cards are not necessary, but being really good at managing a couple of cards is.矫枉过正,对你的信用卡有没有必要,但真正善于管理一卡.
10. 10 . The statistics are in and they are mind boggling.统计数字是,在他们心目中是十分惊人的. Bankruptcies are at record numbers and the consumer debt for the U.S. is over 1.7 Trillion dollars!破产记录号码和消费者债务,为美国超过1.7万亿美元! Teach your kids now to not make the mistakes that you did.教你的小孩,现在不能重蹈复辙,你做的. Financial Literacy is a must for the next generation as we are heading into a cashless society.金融扫盲是要为下一代为我们迈向无现金社会. It's harder to manage what you cannot see.它的更难管理什么,你看不到. Make sure they understand that the credit card is what pays for food on the table and gas in the car as well as the play station games they love.确保他们明白信用卡是支付餐桌上的食物和气体在车内以及车站扮演游戏,他们爱.
About the Author关于作者 Mical Johnson is affiliated with Rock Financial, Inc., a Licensed Correspondent Mortgage Lender, Florida Department of Finance.化工约翰逊是从属于与岩石的金融公司,一家持牌通讯员抵押贷款,佛罗里达财政部. Mr. Johnson hosts Home Buyer's Seminars which are open to the public each month in the TampaBay area in Florida.约翰逊先生主持置业的讲座是公开的,每月在tampabay面积佛罗里达. To obtain a free copy of Mr. Johnson's Home Buyer Handbook contact him at www.TampaMortgageGuy.com He is also a contributing author at www.Debt-Free-Personal-Finance.com以免费索取约翰逊先生的置业手册与他联系,他www.tampamortgageguy.com也是一个促成作者www.debt无个人finance.com
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