Know when to say “NO”! Don’t apply for credit you don’t need. If you have good credit, chances are you will get approved for almost anything you want so don’t do it! JUST SAY NO!
- No matter how good saving 15% on your purchase for applying for your favorite department store card may sound, don’t be afraid to tell the cashier no thank you! 9 times out of ten, she doesn’t have the store card either.
- Shred those credit card pre-approval letters that come in the mail! You don’t need that kind of temptation in your life.
- Don’t ball out just because you receive a credit limit increase on your credit card. Accept the credit limit increase with grace and bow out. Credit limit increases is a good look for your credit report and score, but it doesn’t mean you have to use it. Annddd if you do, you use it wisely.
- Lastly, if you know you’re suffering with credit issues, save yourself the embarrassment and explaining. Don’t apply for anything until you get your credit right! Deny yourself and don’t wait on a lender to do it for you.