I am too irresponsible with my credit cards. I’m still paying for my stupid younger days with my credit card. If I ever get out from under this mess, I will be more careful with my credit. Interest is always a killer, so some people move their debt to a card with 0% balance transfers. It’s an interesting idea, especially if you meet all the requirements to keep it that way.

Credit cards can be so handy at times and when used wisely can help your credit score. I plan to use my credit wisely from this point forward to get a better credit score, so one day we will be out of debt and in our own home. Finding my next credit card I can use Card Guide that lets you compare credit cards to find just the right solution. I know I want a low interest rate and really don’t care about cash back rewards since I don’t plan on using it that much.

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