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Credit Cards | Credit card rating | Tax Adviser in Canada | Tax consultation service in Toronto | Canadian Tax Consulting Service

4 Credit Card mistakes that might ruin your credit rating

Whether your Credit card is your friend or foe depends on how you use it and on your overall financial situation. In case you are to borrow money to buy a car, a house, or avail a consolidate debt you would know that your credit rating is important for the same. The way your card is used in a big way determines your overall credit rating. This is why you should be careful in the way it is used.

But many people make some common mistakes which may lead you to penalties or low credit score. As a professional tax consultant in Canada & US, we present you some of those mistakes you should avoid:

Credit Cards | Credit card rating | Tax Adviser in Canada | Tax consultation service in Toronto | Canadian Tax Consulting Service

  • Paying off your credit card too soon

It can be a good idea to pay off your credit card debt before availing a fresh loan. However, you also need to be aware of the fact that the credit-card companies report the overall activities of your card over a period of time to credit rating bureaus. So in case you have not been paying off the credit card debt in time, it is unlikely that a sudden paying off the outstanding balance will help in a big way.

  • Paying it off too slowly

Often you may get in the habit of paying off your credit card balances too slowly. However, this may not be a great idea. The first is that you would unnecessarily pay a rate of interest on the outstanding balance. Apart from this, it would also not help to improve your credit card rating.

  • Keeping a credit card for emergencies

Some people want to use the credit card as a backup in case of an emergency requirement. This is also not a very healthy practice. This is because unused credit cards could serve to be great financial liabilities as well.

  • Making Late payments

This is something which must strictly be avoided. This is not only because of the fact that you would be heavily penalized for the same but at the same time, this would significantly affect your credit rating as well.

Mansoor Suhail has been providing Accounting, Bookkeeping and Taxation services since 2001 in Toronto, Canada. He is fully competent in Canada and U.S.A tax filings and consultation. He can handle Personal, Small Business, Partnerships and Corporations tax issues with full confidence. He is also able to handle International tax issues for Foreign Students, Expatriates and Foreign Corporations.

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