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Are You Credit Wise?
TOP 10 TIPS TO BEING CREDIT WISE
By Jessica Leonardi '07
CONTRIBUTING WRITER

With the holiday season upon us, now is the perfect time to make sure that you are on top of your credit. Following these simple tips while shopping can help you start off the new year right – without a mountain a debt.

1. Create a budget so you know what you can afford.
2. Pay your bills on time, every month.
3. If you can’t afford it, don’t purchase it with a credit card.
4. Pay more than the minimum balance on your credit card, or pay it off completely each month.
5. Avoid interest charges as often as possible.
6. Know your credit card interest rate, statement due date, and credit limit.
7. To avoid fees and protect your credit rating, never surpass your credit limit.
8. If you have trouble making your payments, seek assistance from a reputable credit counseling agency before your debt gets out of hand.
9. Check your credit report and correct any inaccuracies at least once a year.
10. Notify your credit card company of any changes to your personal information in a timely manner to avoid communication problems.

For more information, visit www.areyoucreditwise.com.

Jessica is a senior Psychology major, and a MasterCard International intern.