Common Credit Card Mistake to Avoid by codingdefined

View this thread on: hive.blog | peakd.com | ecency.com

hive-167922 · @codingdefined · Jan 7 '25

$10.95

Common Credit Card Mistake to Avoid

Credit card is common now a days and every other person is having a credit card. But the problem is people thing Credit card as their extra money and thus this actually is the problem. So if anyone is having a credit card they should actually avoid these 4 common mistakes.

https://youtu.be/UHnUg6XbqHM

#### Overspending

People think Credit card as their extra income and thus they overspend thinking it as their money. And at the end of the month when the bill comes they don't have the money to pay the bills. People who newly get the credit card does thus mistake and buy expensive items on Credit card to regret it later.

#### Minimum Payment

When the bill comes there is 2 options, pay full amount or pay minimum amount due. When you pay minimum amount, the remaining amount will attract the interest of more than 30% which is quite huge. And this starts the cycle of debt trap. I have been using the credit card from last 8 years and I have always done the full payment.

#### Pay Bill after Due Date

A lot of people miss paying the bill on time and thus their credit score decreases as well as you have to pay the late fee also. So it's better to pay the bills on time for the financial health.

#### Ignoring Cashbacks

A lot of people use credit card but they don't know how to optimize the rewards. We should use the Crdit cards on such a way that it should increase our rewards. Some fo the credit card have rewards upto 7 to 8%, and thus based on our spending we should get the Credit Card.

I have created a Google Sheet tracker where I can see what is the bill due date, what is the amount I have yo pay, what is the cashback I am getting and all the details. I will also get the information about how much money is remaining for the renewal fee waiver for a year and this actually helps me to track it effectively.

![Screenshot_20250107_203208_Sheets.jpg](https://files.peakd.com/file/peakd-hive/codingdefined/23tGTqhyLpeuqhvVHff63nSVqAruxKYr8N1a8MwtUfBfdFtCrRmu52Gw7BFCqiF3PsWWX.jpg)

👍 indiaunited, sanjeevm, bitcoinflood, taskmaster4450, bala41288, bobinson, reeta0119, brofi, r1s2g3, pokerarema, omarcitorojas, ecency, muterra, onealfa, nainaztengra, etblink, diverse, bhattg, dailydab, balaz, kanibot, nfttunz, kannannv, arunava, dab-vote, sbi9, chetanpadliya, omarrojas, preeti, pixelfan, khan.dayyanz, gabrielazamora10, photolovers1, india-leo, godfather.ftw, chandra.shekar, imacryptogeek, beyondhorizonmm, amitsharma, xlety, portugalcoin, gloriaolar, aleister, l337m45732, susie-saver, mmunited, heteroclite, funnel, rxhector, dragonmk47, deimage, the.rocket.panda, good-karma, dudeontheweb, uwelang, cryptomother, tebesc, solumviz, brofund, deggial, kamaleshwar, uruiamme, baltai, anjanida, and 96 others

`author`	codingdefined
`permlink`	common-credit-card-mistake-to-avoid
`category`	hive-167922
`json_metadata`	{"app":"peakd/2024.12.6","format":"markdown","tags":["hive-engine","archon","india","proofofbrain","cent","ctp","neoxian","vyb","leo","bbh"],"users":[],"image":["https://files.peakd.com/file/peakd-hive/codingdefined/23tGTqhyLpeuqhvVHff63nSVqAruxKYr8N1a8MwtUfBfdFtCrRmu52Gw7BFCqiF3PsWWX.jpg"]}
`created`	2025-01-07 15:07:24
`last_update`	2025-01-07 15:07:24
`depth`	0
`children`	6
`last_payout`	2025-01-14 15:07:24
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	5.494 HBD
`curator_payout_value`	5.457 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	2,011
`author_reputation`	532,126,252,586,750
`root_title`	"Common Credit Card Mistake to Avoid"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	139,791,947
`net_rshares`	16,824,072,836,009
`author_curate_reward`	""

properties (23)vote details (160)

voter	rshares	pct
onealfa	263,679,044,175	3.3%
good-karma	11,440,411,418	1%
rxhector	12,641,663,715	44%
uwelang	10,709,510,219	0.6%
catotune	3,687,747,765	10%
moretea	3,183,106,786	10%
funnel	13,343,933,493	20%
esteemapp	2,712,448,333	1%
stefanialexis	842,264,092	20%
l337m45732	19,175,598,563	20%
uruiamme	7,205,918,292	60%
aleister	23,122,278,958	10%
arunava	79,844,188,506	10%
bitcoinflood	1,883,484,652,250	53%
hardikv	3,303,594,607	25%
unyimeetuk	1,214,745,909	50%
ashokcan143	1,672,780,047	25%
sanjeevm	1,976,420,437,460	40%
pixelfan	50,172,731,339	6.1%
chetanpadliya	52,125,087,733	100%
amitsharma	32,983,118,858	100%
valchiz	504,261,113	5.5%
etblink	233,428,228,248	25%
nainaztengra	249,873,312,835	20%
taskmaster4450	1,812,000,707,913	100%
splash-of-angs63	4,981,273,112	20%
preeti	50,390,604,095	100%
esteem.app	320,654,528	1%
diverse	182,365,421,442	100%
bobinson	561,609,801,809	50%
sankysanket18	1,149,961,898	25%
vishire	1,491,253,231	50%
silenteyes	1,749,498,056	25%
shonyishere	2,766,925,484	50%
frames	874,272,244	25%
dudeontheweb	10,967,896,810	8%
r1s2g3	454,338,188,156	50%
bala41288	1,792,316,063,132	50%
portugalcoin	26,341,181,349	10%
dynamicrypto	2,638,918,659	5%
indiaunited	2,918,058,857,154	50%
upfundme	2,443,425,988	8.25%
bhattg	154,726,790,721	50%
mchandra	563,342,351	2.5%
raqibul	1,028,889,514	25%
racibo	6,194,460,385	5%
rainbowbala	1,572,523,845	50%
ragavee	1,792,150,305	25%
the.rocket.panda	11,829,988,244	100%
gabrielrr17	788,347,910	10%
indiaunited-bot	1,982,950,884	50%
carl05	4,707,578,919	10%
pedrocanella	848,595,107	20%
dosh	711,245,327	20%
mmunited	16,899,664,244	70%
sbi9	64,150,588,263	52.28%
sanjeev021	961,647,065	10%
marianaemilia	3,436,483,675	20%
khan.dayyanz	50,002,840,329	45%
gomster	943,256,438	10%
olaexcel	701,263,274	25%
caaio	646,290,964	20%
reeta0119	527,189,458,929	100%
anjanida	7,157,826,008	100%
blumela	1,243,018,519	0.5%
badfinger	1,402,256,160	25%
onealfa.leo	0	2%
bala-ag	362,826,531	50%
bala-leo	3,752,927,131	50%
pouchon.tribes	677,955,638	1.8%
kanibot	109,954,938,750	50%
baltai	7,168,449,094	2.75%
bozz.sports	5,177,853,428	4%
neoxvoter	3,021,887,247	26%
bpcvoter4	34,800,679	100%
gloriaolar	24,392,524,882	30%
brofund	8,423,395,063	11.01%
ecency	360,471,235,917	1%
devpress	626,235,889	50%
balvinder294	1,182,569,614	10%
sidjay	757,625,518	15%
ecency.stats	360,338,405	1%
dikshabihani	3,349,471,437	25%
kraken99	1,290,689,782	100%
goliathus	806,201,407	10%
vandanabhatt	932,444,552	50%
omarrojas	50,818,419,725	55%
omarcitorojas	406,459,244,022	100%
officialhisha	506,189,225	1%
gungunkrishu.leo	640,540,564	25%
seuamiguto	458,225,534	20%
gabrielazamora10	38,165,678,883	100%
godfather.ftw	36,517,324,075	45%
susie-saver	18,222,904,252	100%
hykss.leo	3,110,827,686	0.3%
carlosro	459,693,439	20%
brucolac	3,317,972,531	12%
pokerarema	445,338,280,765	100%
remenzer	721,071,556	100%
brofi	496,891,423,393	11.01%
khushboo108	1,277,097,987	10%
nfttunz	95,753,852,290	5.5%
muterra	325,191,579,320	50%
disha30	2,013,738,155	50%
rpren	755,207,056	50%
photolovers1	37,841,983,369	50%
kamaleshwar	7,257,911,503	50%
chandra.shekar	34,336,985,778	50%
kannannv	80,561,398,795	50%
gamerzaza	1,546,109,552	25%
adulruna	666,732,857	20%
emd012	500,336,417	10%
hkinuvaime	1,006,072,160	10%
beardoin	5,274,496,530	11.01%
beyondhorizonmm	33,482,705,533	70%
qyses	459,778,486	18%
kojiri	823,288,835	10%
eolianpariah2	1,764,595,547	0.6%
deimage	11,913,075,427	25%
lobaobh	693,536,667	12%
jpleron	627,085,003	20%
elfino28	2,014,003,238	14%
cryptohaytham	541,039,846	25%
attentionneeded	527,002,019	10%
india-leo	37,385,986,978	50%
highfist	876,119,219	10%
condigital	0	17%
heteroclite	15,719,911,124	25%
onealfa.vyb	0	88%
zuun.net	802,904,525	17%
aadilmir	443,377,912	2.5%
yameen-ag	1,343,845,846	80%
balaz	117,309,363,683	50%
mesk	1,117,335,997	10%
dragonmk47	12,159,221,253	10%
solumviz	9,477,534,576	25%
master-lamps.ctp	0	99.77%
deggial	7,895,027,010	20%
canellov	712,842,550	10%
pinkchic	3,297,600,565	7.5%
cryptomother	10,614,274,007	100%
crypt0holics	2,244,209,724	20%
imacryptogeek	33,715,796,027	50%
abhay2695	2,283,696,298	25%
ranjith98	910,540,550	25%
taushifahamed	875,243,484	25%
ecency.waves	0	1%
dailydab	134,052,280,828	5.5%
meraki7578	1,289,300,449	1.65%
modiji	1,746,375,907	50%
tebesc	10,353,423,740	12.5%
clubvote	3,700,672,678	1.1%
xlety	31,237,344,241	50%
kevin1273	583,449,992	25%
indiasierra	718,440,153	1.65%
neoxianvoter	0	17%
bbypanda4	1,897,508,797	50%
dab-vote	72,545,349,566	5.5%
mayor-001	504,652,192	5%
theiam	0	33%

@aquarius.academy · Apr 6

# 'Life shrinks or expands in proportion to one's courage' - Anaïs Nin | Brave post 🦁

properties (22)

`author`	aquarius.academy
`permlink`	re-common-credit-card-mistake-to-avoid-20250406t021749z
`category`	hive-167922
`json_metadata`	"{"app": "beem/0.24.19"}"
`created`	2025-04-06 02:17:51
`last_update`	2025-04-06 02:17:51
`depth`	1
`children`	0
`last_payout`	2025-04-13 02:17:51
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	85
`author_reputation`	-2,182,127,988,571
`root_title`	"Common Credit Card Mistake to Avoid"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	141,920,698
`net_rshares`	0

@india-leo · Jan 7 '25

Indiaunited Curation 1736274473488

This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating your Leo power to @india-leo account? We share 100 % of the curation rewards with the delegators. 

<sub>**100% of the rewards from this comment goes to the curator for their manual curation efforts. Please encourage the curator @bhattg by upvoting this comment and support the community by voting the posts made by @indiaunited.**</sub>

properties (22)

@indiaunited · Jan 7 '25

Indiaunited Curation 1736266261849

This post has been manually curated by @steemflow from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating to @indiaunited. We share more than 100 % of the curation rewards with the delegators in the form of IUC tokens. HP delegators and IUC token holders also get upto 20% additional vote weight. 

Here are some handy links for delegations: [100HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=169147.84812249037%20VESTS), [250HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=422869.62030622596%20VESTS), [500HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=845739.2406124519%20VESTS), [1000HP](https://hivesigner.com/sign/delegateVestingShares?delegator=&delegatee=indiaunited&vesting_shares=1691478.4812249038%20VESTS). 

[![image.png](https://files.peakd.com/file/peakd-hive/bala41288/46eaz12N-image.png)](https://discord.gg/bGmS2tE) 

<sub>**100% of the rewards from this comment goes to the curator for their manual curation efforts. Please encourage the curator @steemflow by upvoting this comment and support the community by voting the posts made by @indiaunited.**</sub>. 

This post received an extra 20.00% vote for delegating HP / holding IUC tokens.

properties (22)

@inuke · Jan 7 '25

100% correct.
People should treat credit cards either as emergency reserves or as a reward farm. Unless you are able to optimise and beat the reward system in your favour its better to avoid CC completely. 
Learned the lesson the hard way. 
❤️☮️

properties (22)

`author`	inuke
`permlink`	re-codingdefined-202517t2353567z
`category`	hive-167922
`json_metadata`	{"tags":["hive-engine","archon","india","proofofbrain","cent","ctp","neoxian","vyb","leo","bbh"],"app":"ecency/4.0.2-vision","format":"markdown+html"}
`created`	2025-01-07 17:35:06
`last_update`	2025-01-07 17:35:06
`depth`	1
`children`	1
`last_payout`	2025-01-14 17:35:06
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	246
`author_reputation`	57,991,944,888,236
`root_title`	"Common Credit Card Mistake to Avoid"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	139,797,463
`net_rshares`	0

@codingdefined · Jan 8 '25

That'd true, I usually use it as Reward Farm and earning quite good rewards.

properties (22)

`author`	codingdefined
`permlink`	re-inuke-202518t102122699z
`category`	hive-167922
`json_metadata`	{"type":"comment","tags":["hive-engine","archon","india","proofofbrain","cent","ctp","neoxian","vyb","leo","bbh"],"app":"ecency/3.2.0-mobile","format":"markdown+html"}
`created`	2025-01-08 04:51:21
`last_update`	2025-01-08 04:51:21
`depth`	2
`children`	0
`last_payout`	2025-01-15 04:51:21
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	76
`author_reputation`	532,126,252,586,750
`root_title`	"Common Credit Card Mistake to Avoid"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	139,811,695
`net_rshares`	0

@theiam · Feb 12

# ♦️ You got 0.01 [FELT](https://peakd.com/hive/@theiam/introducing-felt-sentiment-token-spbhj9) for sharing high vibes on Hive. 

[📋♦️ FELT Info](https://peakd.com/hive/@theiam/introducing-felt-sentiment-token-spbhj9)

properties (22)