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Nothing makes people inch for their credit cards better than the holidays. This year is no different. It is estimated that over 50 percent of Americans will use their credit cards for online or in-store shopping. But you should always remember to take control of your purchases for better credit card management.

Here are some useful little tips you can apply this holiday and the rest that follow.

Say "No" to in-store credit card offers
We've all seen it as we walk in the store and have been by the cashier, "Apply for a credit card and you could save 10 percent on your purchase." Sure, you'll be saving that 10% now, but you'll end up paying for it and a lot more later on. While the in-store credit card offers sound good at the time; they save you money and have a great introductory offer, those benefits change and you could be paying up to 25 percent on interest rates alone. That 10% doesn't sound to good now does it?

Plan how you are going to make purchases
If you must use a credit card, limit yourself to only one credit card and make sure you know the credit limit. When you know that, give yourself a budget to work with that will help you to keep your limit intact. You never want to go beyond 50% above your credit limit as it could impact your debt to credit ratio, which accounts for 30% of your credit score.

Use cash if you can
When you use cash, you avoid paying interest rates and late fees if you happen to forget to make a payment. Therefore, you actually end up paying less for the gift than what you would have.

Read 5 Easy Steps to Credit Card Consolidation

If you have fallen on hard times this holiday season and need a way to consolidate credit card debt, CreditCardConsolidation.com can offer you advice and guidance for getting out of debt. Call us today at 1-800-562-6737 for a free credit card consolidation consultation or complete the online form to have a debt solution specialist contact you about consolidating your credit cards.

Tags: consolidate credit card debt, credit card consolidation, credit card management

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