How To Deal With Credit Card Offers?




When was the last time you had a credit card offer ?

If you carry a balance on your credit card no matter how enticing and convenient that credit card offer might seem, you will likely find, that it is the most expensive loan you will ever take.

No matter how hard you try to avoid the temptation of those credit card offers the cravings for those material items is like an addiction, that simply canít be relieved easily, and the need to purchase can be more powerful than the will of the mind.

No matter how hard you try to resist the convenience of that credit cards offer, you simply cannot. You just have to indulge yourself with those material items that you want so bad. And the minute the credit card issuer offers you a card, you can hardly wait for it to get approved Ė after all in your mind you are already purchasing.

You know some people are addicted to alcohol, some to cigarettes, and others to drugs. But many of us have only one addiction, and that is the addiction to shopping, and that credit card offer just letís us get one more good fix.

You can avoid going over your credit limit on one card, by indulging yourself in that latest credit card offer. You might be able to control your spending a bit if you consider just how much your credit card provider is going to make from you, and thanks to your inability to control your urge to buy all those things, you really donít need.

By now you should know that what you really need to do is pay off what you owe each month, because as long as you are paying the minimum amount you are never going to get out of debt, and the more of those credit card offers you accept, the uglier the picture is going to become over the long haul.

Consider this Ė youíre in debt so far, that you arenít sure if you will ever find your way out, and all youíve got to show for it is a bunch of stuff. In fact you couldnít even name what it is. Thereís no car, no house, no new furniture, just stuff.

The credit card companies are in the business of selling credit cards, and after all they make their money, even when you donít pay off the balance every month. So as long as you continue to make those monthly payments you are going to continue to get credit card offers.

So if you donít want to be one of those statistics that keeps the credit companies profits on the rise, you are going to have to learn a little bit about restraint. No more habitual self indulgence, every time one of those credit card offers comes buy. At some point youíve got to have some restraint to look the other way.

Before you give into that next credit card offer, consider what you will be paying for over the next ten or fifteen years. Consider whether those new clothes are worth being in debt forever, or whether it matters if you have the most pairs of shoes. Consider restraint and youíll be in far better shape, in a very short period of time.

If you really canít say no to that next credit card offer, then you either need to get a better job, so you can pay off your monthly credit card statements, or you need to find a rich partner, that can pay them off for you. Or last but not least you need to make sure, that you pay your bills promptly, so that those credit card offers keep coming, and you can keep shopping forever.

About the Author: Morten Hansen has been focused on the Credit Card area for several years and is mainly writing about subjects, that make it easier for people to understand the different issues about Credit Cards. For more details about Credit Cards visit our website