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Learning To Make Wise Use Of Credit Cards


Photo Cheat Sheet Page 2 – Credit Card (Wallet) Foldout
credit cards

Image by Kanemojo
I’ve been giving some lunch and learn introductions at my company for fun.

All of the cheat sheets online didn’t summarize the essentials and most of them were not portable.

I summarized my presentations into this cheat sheet, here in PDF format from Microsoft Visio. I have also added the Creative Commons Attribution-NonCommercial-ShareAlike license.

Two Pages:

Page 1: Camera Mechanics
Upper Left: Aperture and Shutter Speed chart
Upper Middle: ISO and White Balance chart
Upper Right: Gray Card(s)
Mid-Left to Lower Middle: 4 panel summary of common camera presets
Mid-Right: Handy cheats
Lower Right: Hyperfocal distance chart for SLRs

Page 2: Composition
Upper Left: Aperture and Shutter Speed chart
Upper Middle: ISO and White Balance chart
Upper Right: Golden Ratio summary; spiral, ratio, and triangles
Lower Left: Visual terms for composition
Lower Middle: Design element considerations for composition
Lower Right: guides for Golden Rectangle, Rule of Thirds, and Golden Ratio

These two pages should fold up into a nice wallet sized card. You can always cut off the sections you don’t need. Color copies work best.

Printing the composition cards onto transparency is handy if you enjoy precision.

Credit cards can be considered both good and bad. But debt isn’t inevitable, and credit cards can often be a convenient way to purchase items. Read this article to learn of the positive side of credit cards.

If you’re a student who is looking for a credit card, be aware of the terms and fees that come with it. Many times, a student credit card carries high annual fees or big penalties, so do your homework to find the most advantageous card for you.

To verify you are not paying for premium features you don’t need on your credit card, see if the card company charges an annual fee for it. The annual fee for a platinum or black card could cost from 0, all the way up to ,000, depending on how exclusive the card is. If you don’t really need an exclusive card, then you can save money and avoid annual fees if you switch to a regular credit card.

If you submitted your credit card payment late, or if you missed your payment, you should consider asking your credit card company for lower interest rates or fees. When you make late payments, it is likely that your card issuer will increase your interest rate and charge additional fees. You could usually get these charges reduced by calling your credit card provider.

Avoid credit cards with annual fees, even if the offers seem attractive. There are so many credit card offers today that it is simple to find a good card without an annual fee. In the long term, these fees will end up costing you quite a bit.

If you are not older than 18, you may not be able to get your own credit card. But you might get a joint account with an adult. Retail and department stores may give a card to a teen, but major credit card companies will not.

You should sign credit cards as soon as you receive them in the mail. Lots of people do not do this, and therefore, their cards end up getting stolen without the cashiers being aware of this. Many cashiers will check to make sure there are matching signatures before finalizing the sale.

Don’t be tempted to pay off the balance on your card immediately after using it. All you have to do is wait for a statement to come, and pay that balance. This improves your credit score and better reflects your ability to manage your credit when prospective lenders access your report.

Once your credit account is closed, shred your card. If you choose to put it in a drawer, the card could find itself in another person’s hands, and he or she could use your information to open up your account and charge lots of debt that is in your name.

Retail credit card accounts should only be opened at stores that you will be shopping in quite frequently. When you apply for store charge card, an inquiry is noted on your credit bureau report whether you are approved or not. Too many inquiries on your credit can lower your credit rate.

Never give your credit card information out over the phone. Scammers often do this. Only provide your number to businesses that are trusted and your card company only when you actually call them. Do not give your credit card information to anyone who calls you. There is simply no way you can safely verify the identity of an unsolicited caller.

Credit cards can be a very convenient payment option if used properly. From having the assurance of having financial flexibility to the benefit of receiving various rewards and perks, credit cards that you have could make your life better. Use the information you’ve gathered here today for greater success in this area.



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