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What You Should Know About Credit Cards

Photo Cheat Sheet Page 1- 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 frustrate many people. Just like anything else, it’s easier to turn credit cards into a hassle-free financial venture if you have proper advice. The article below discusses some of the best ways to use credit responsibly.

Watch out for card teaser rates that claim they are zero percent. Although a zero interest offer could be enticing, the rate and your balance usually skyrocket when it ends. Always keep track of your credit card balances when making purchases.

When you charge something online, print a copy of the receipt. Keep your copy at least until you receive your monthly statement, to be sure that you were charged the authorized amount. If they mis-charged you, first contact the company, and if they do not fix it, file a dispute with your credit company. By keeping up with your payments and receipts, you’re ensuring that you won’t miss an overcharge somewhere.

Don’t give your child a credit card unless they prove to you that they are responsible first. It can be hard to refuse them or to admit that your child doesn’t have the maturity, but resisting will help them to have better spending habits and can prevent a financial disaster.

Most analysts state that a credit limit should be no greater than 75% of a monthly salary. If you have gone above that amount, then you should plan immediately on how to lower your debt. Otherwise, you may soon be paying a lot more interest than you can afford.

Be smart about your credit card spending. Always ask yourself if the purchase is something that you truly need, and determine how long it will take you to pay it off. Determine how much the purchase will cost when you factor in interest. This should help you make an informed decision about whether you really want, and can afford, the item in question.

Set a budget when it comes to your credit cards. You need a budget for the money you make; therefore, your credit should be included in it. You don’t want to get into the habit of thinking of credit cards as extra money. Determine an amount that you are comfortable charging each month. Ideally, you want this to be an amount that you can pay in full every month.

It is very important when you get a credit card to keep the account open as long as you can. Avoid closing out one account to open another, unless it is essential. The amount of time that your account has been open will have an impact on your credit score. Building credit is in part about keeping accounts open when possible.

Large credit card companies have a big selection of cards to choose from. More perks usually come with these cards, and the company often has well-defined business practices. When you are looking for a good credit card you need to go with a major company. After all, this does affect your credit score and history.

You can really damage your credit score if you use a credit card to make purchases for more than what you can pay for with cash. If this happens then it can make it hard to rent an apartment, finance a car, get insurance or even in some cases, get a job.

If you can, do not use your credit card at the grocery store or a restaurant. They take longer to appear on a statement, and you may not know your real available balance. This can lead to you spending more money since you will have the perception that your balance is actually lower than it is.

As mentioned earlier, it is common for individuals to feel irritated by the actions of their card issuers. You can choose a good card for you if you are patient and do your research. Use the suggestions presented in this article to help you enjoy your credit card experience.