Guide to Credit Cards

Do you have credit cards? Don't worry if you have because that's normal for people who live in the U.S. There are some benefits for credit cards, like in time of emergency and you want the money right away. There are credit card company that allows you to "cash transfer" into your checking account but there is an interest on top of it.

Here are few credit guides from msn money staff;

*Make your payments by the date -- and time -- they're due. Late fees are $29 or more. A couple of late payments will trigger an interest rate increase. Because late and missed payments lower your credit score, the interest rate can go up on your other credit cards and for future loans as well.

*Limit the number of cards you have. Experts recommend having continute reading