With all of the recent hype over Suze Orman’s new debit card, it’s no wonder why many folks think it’s better to use a debt card versus a credit card. But for many folks that would be a mistake.

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Credit card limit is determined by credit card issuers and depends on several factors. Why credit issuers make certain decisions can seem so mysterious. How high of a credit line you’re eligible for, what interest rate they’ll charge on any balance you roll over, the fees and grace periods … it can feel so random.

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We share our top eight tips for clearing your credit card borrowing quickly and efficiently, so that you’ll have one less debt to worry about.

Though credit cards can be an extremely useful source of credit when you need it, if you don’t use them carefully interest can grow on your balance at a dizzying rate. Soon what started out as a relatively small balance can become an amount that’s difficult to pay off.
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Really? Can credit cards be a good thing? Spending more than you should on plastic is easy to do but credit cards aren’t all bad if used properly. Why do I say that?
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Are you looking for a credit card but confused about your options and what available on the market? Here are some credit card basics you ought to know:

Credit card spending can be tricky to master, get it right and you are laughing all the way to the bank with instant access to cheap credit and the potential to earn a little back in the meantime, however get it wrong and it’s easy to fall into the debt trap, leaving yourself faced with huge interest bills and unmanageable repayments.
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