Credit Cards and Creditors Credit cards and creditors work accordingly, however, if you fall into debt with the creditors, you will soon learn how creditors work. Creditors are lenders that offer extended credit lines to consumers. Millions of people around the globe have applied, or own major credit cards. The cardholders are now learning that the line of credit provided to them, lead them out of the creditors hands, into the collection agencies, and finally into court. If you are searching for a credit card make, sure you know what you are getting into before you sign those papers. Credit cards are a responsibility placed on your shoulder, which includes many details. As a cardholder, it is your responsibility to protect your card like you would protect your life. Identity thefts are taking over, and rarely are they caught, therefore, your life is seated in the plastic coated card. You must also know when to use the card. If you are behind on bills or subject to shutoff, then now is the time to use your card. The late fees and notice fees will cost more than what you will pay in interest on your card. You will have a grace period, probably 25 days to get the card paid in full to avoid extra charges. If your car is broken down and you cannot get to work, then your card can prove of benefit. You need transportation, and you need your job, therefore pay now sweat it later. If the repair costs succeed more than $500 and you feel you cannot repay the card balance before the grace period, try hard to pay as much as you can to avoid overriding charges. Each month or week if possible send in money applying it toward the balance of your card before using your card again to avoid overcharges. If you are having a hard week, or month and need groceries, then the card can help you out. Try to purchase items on sale, or generic brands to avoid paying more than you already will for groceries. Only buy enough to hold you over until the next paycheck arrives. Otherwise, use the card for a cash advance that will tie you over to the next paycheck, providing the card lender have a low fee for cash advances. There is no sense in starving if you don’t have to, but there is no sense in spending more than you make either. If you endure an emergency and need your card to pay the dues, then the card can help you out. If the emergency fees are more than the cards limit you might need to ask for a payment plan. Medical expenses are soaring, therefore if you have an emergency and no insurance the card can benefit you, providing you let the medical providers know that you have a limit. A word of advice is that you might want to seek health insurance to avoid paying medical expenses on your credit card. The list details a few critical areas where a credit card can be used, without being abused. Although there may be other reasons, such as travel, since no one likes to carry cash on long distance runs. However, if you use your credit card for each purchase during travel, remember you will be paying APR, finance fees, and possible other fees to make one purchase. Only purchase what you need. If you travel smart, you could carry cash to avoid excessive fees on purchases. If you are searching for a major credit card online, it is important to have all your priorities together. If you do not have your priorities together later down the road you might meet the worst end of the creditors. The collection agencies are worse than creditors, in that they will go to all lengths to force you out of debt, including doing illegal procedures if that is what it takes. Furthermore, you should know your rights and the laws before accepting a major credit card. Knowing your rights and the law can save you from debts, you wouldn’t ordinary pay. Keep it straight before it is too late!