Credit card tips for beginners

While the new credit card law offers some shield against sudden interest rate changes, it does not provide complete protection for credit cardholders. To maintain a good credit standing, cardholders need to know the right strategies and stick by the rules. Listed below are 8 credit card tips for you:
Pay down your charges. Remember that 30% of your FICO score is based upon your credit utilization so the lower your credit-to-debt ratio is, the higher your credit score would be. Experts recommend not exceeding 30% of your allotted credit. Please visit our website http://www.newhorizon.org for more info about Credit Card Tips for Beginners.