Look at that big screen television.
Its on sale but you still can't afford it.
Well actually you can, all you have to do is put it on your credit card.
You pay the minimum every months and in a few years you'll be out of debt, its so simple.
This is the conversation many people have with themselves that ends up costing them big.
We do not realize how hard it is to pay off the credit card until we can't even see the end or the beginning.
Many Americans make the mistake of using their credit card, not for things they desperately need, but for things they want.
Either way the prices add up and end up costing you a lot in the long run.
The smart thing to do is avoid using the card at all costs, and if you have to, then try to pay it off as quickly as you can.
This process is long and grueling and has put many people deep into debt.
There are some things that using the card can help you with like building your credit.
Borrowing a little money each month and paying the minimum over long periods of time can help build your number up.
This is the best way to do it but if you over due it you will find yourself in debt.
The key to a good credit score is that it will help keep your interest rate and finance charges down as you try to pay off the card.
If your number has suffered because of payment problems you can look into credit repair to fix the problem.
A credit repair company works fast to fix your score.
The process is simple, only taking a few weeks rather than months or even years, its affordable and most of all its effective.
By David George