Credit Statement/Offers
Secure Statements: Credit statements are very important, and should not be discarded until looked over or at least examined so you know what you're tossing. Here are some quick tips to make sure you keep a healthy record of your credit.
-Receipts: They can get cluttered, but it's a good idea to keep them around until the end of the month just in case. After that toss them.
-Credit Card Statements: Make sure to check them for accuracy every month, after all we are only human and mistakes occur.
-Keep Organized: Have a filing cabinet dedicated for long term important files, and label it. Keep things like your social security number and original birth certificate in a fire proof safe box.
-Make a Habit: Work organizing your statements into your planner and try to make a healthy habit of staying on top of them.
Credit Card Payments: This is pretty easy, PAY IN FULL EVERY MONTH. No good can come out of being in debt to a credit card. You usually get a fee, and interest is added onto what you didn't pay. Never pay minimum unless absolutely necessary, it's a bad habit to get into but at least it will save your credit score.
Credit Card Offers and Teens: As a teenager, credit cards see you as an opportunity to get a lifelong host to suck the life out of. I know that's dramatic, but its really very true. As a new creditor, teens lack the experience veterans posses to avoid potential pitfalls and risks. They also are more spontaneous and lack the planning that adults have, simply because their brains are not fully developed. As a teen, make sure that you look over getting a credit card very carefully before proceeding, because debt young in life could majorly effect the rest of it.
Sources: http://www.creditcards.com/credit-card-news/what-records-keep-how-long-1267.php
-Receipts: They can get cluttered, but it's a good idea to keep them around until the end of the month just in case. After that toss them.
-Credit Card Statements: Make sure to check them for accuracy every month, after all we are only human and mistakes occur.
-Keep Organized: Have a filing cabinet dedicated for long term important files, and label it. Keep things like your social security number and original birth certificate in a fire proof safe box.
-Make a Habit: Work organizing your statements into your planner and try to make a healthy habit of staying on top of them.
Credit Card Payments: This is pretty easy, PAY IN FULL EVERY MONTH. No good can come out of being in debt to a credit card. You usually get a fee, and interest is added onto what you didn't pay. Never pay minimum unless absolutely necessary, it's a bad habit to get into but at least it will save your credit score.
Credit Card Offers and Teens: As a teenager, credit cards see you as an opportunity to get a lifelong host to suck the life out of. I know that's dramatic, but its really very true. As a new creditor, teens lack the experience veterans posses to avoid potential pitfalls and risks. They also are more spontaneous and lack the planning that adults have, simply because their brains are not fully developed. As a teen, make sure that you look over getting a credit card very carefully before proceeding, because debt young in life could majorly effect the rest of it.
Sources: http://www.creditcards.com/credit-card-news/what-records-keep-how-long-1267.php