Some simple advice to help with credit and spending.
1.Don't spend money you don't have.
2.Only borrow money that you will be able to pay back.
3.Avoid late fees and damaging your credit history by paying your bill on time.
4.Try to avoid using multiple credit cards whenever possible.
5.Use banking alerts to keep tabs on all your accounts.
6.Always monitor your banking statements to help you avoid fraud and budget better.
7.Try to pay off your debts with the highest interest rate first.
8.Start building good credit today. It will pay dividends tomorrow.
9.Choose a credit card that fits your needs.
10.Always read the fine print.
11.Sign the back of your card.
12.Keep your mailing address current. Hiding from bills doesn't get rid of them.
13.Avoid identity theft. Use secure websites. Make sure all charges on your billing statement are yours. For more on how to protect yourself, visit the Chase Security Center online.
14.Open a savings account and put money (even a little bit) in it every month. This money can help cushion the blow of an emergency.
15.Keep a budget. Print this worksheet or save it and fill it out later.