The Best Way to Manage your Store Credit Card Account

Manage your store credit easily.

When your store account is overdue it’s considered delinquent. Most companies don’t report a delinquent account until the account is 30 days late, but you can avoid having your credit score affected, or paying penalty fees, by simply catching up on the amount due before the 30 day period has lapsed.

But if you can’t make any payments on time because you are short of funds, then it might be necessary to develop a payment plan that will help you get rid of some of that debt. Keep in mind that late payments will continue to negatively affect your credit standing.

Pay your bills on time

As you pay off your total debt, the most important thing is to make sure your debt accounts are getting paid on time. It's crucial that you're adhering to the repayment amount timetable stipulated when it comes down to paying back your debt in full.

You need to make sure that when it comes down to settling debt accounts like credit card balances and other loans, you'll be able to retain your good standing in terms of never having missed a payment.

When you consistently make late payments, it will affect your credit score. It may also add interest and fees in addition to what's already owed.

Cut down on your spending

One of the first steps you need to take is to take control of your debt situation. You have control over how much money you spend because only you know what your money is needed for, and whether it's worth spending on various important things in your life.

Write up a repayment plan

The quickest way to get out of debt is by creating a repayment plan that works for you. You should try answering the following questions:

  • When will I make my first payment?
  • What will this payment consist of?
  • Where do I go for help and support to help me reach and maintain my goal?
  • How much money do I have left to pay off?
  • When can I start paying it off in full, if at all possible?
  • How will I pay back this money?
  • Will it be through regular installments or will I need other methods such as taking on a second job or selling some of my belongings?

Store credit cards can be a very convenient way to shop for things you need and want without having to carry around cash. Credit cards carry a lot of risk to them, and it’s easy to get into trouble with them if you don’t use them responsibly.

To learn more money management skills, get in touch with Credit Health.


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