Welcome to CREDIT CARD SMARTS!

Let's face it, in today's world your name is only as good as your credit. Maintaining your credit should be one of the most important things in your life. By browsing "Credit Card Smarts" you will learn beneficial credit tips that will help you build your credit score. Enjoy all of the information that you can obtain from this site.

If you have never had credit before and are finally ready to start building a credit history, this site can help you.

If you have had credit in the past and basically "screwed it up," you may need to re-establish your credit. Let "Credit Card Smarts" help you.

If you have good or excellent credit, we can still help you by sharing the most valuable credit card tips that you can find online. No matter what your situation is, you will greatly benefit from this site.

How to pay off your credit card debt

So you have five different credit cards with high balances and you want to pay off all of your debt are start clean. Which credit card do I pay off first?

Many will want to pay off the one with the smallest balance first, then the second lowest balance next and so on saving the highest balance credit card for last. While this does give our human minds a great sense of accomplishment it is not the way to save money.

The best way is to pay off the highest interest rate credit cards first. You will save a ton of money in the long run. If one of your credit cards has a 9.9% interest rate and you owe $600 on it but you have another credit card that charges you 24.99% interest and you owe $2000 on it you got to tackle that 24.99% interest credit card first. Many credit cards have high interest rates like this and if you are not paying them off quickly it will cost you a ton of money. So remember, the best technique is to pay off debt with the highest interest rate first


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