How to Use a Credit Card Wisely

Credit, in the form of credit cards, is something most of us want, need, and use almost every week of our adult lives. Learning how to use a credit card wisely helps us to save money in the long run and avoid the trap of ongoing debt. Many of us use credit cards for convenience, so that we can avoid carrying cash in our pockets for purchases like groceries, gas, and household items. This makes sense when done with responsibility, thought, and keeping your budget foremost in your mind. Many advisors say to pay cash for everything and avoid credit cards entirely. I disagree. Credit is important to have and protect, and to learn to use wisely.

How to use a credit card wisely
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How to Deal with Customer Service When You’re Dissatisfied

How to deal with customer service
When dealing with customer service, take a calm and friendly approach

When you’re a shopper, no matter what you’re shopping for, there will be times when you are dissatisfied and will need to know how to deal with customer service. Since I have had many years’ experience in the retail world, from department stores to specialty retail to grocery stores, I frequently am asked what to do when shopping and you’re not satisfied. There are practices that I advise, because remaining calm, honest, and professional will achieve results.Continue reading“How to Deal with Customer Service When You’re Dissatisfied”