![](\"https:\/\/i0.wp.com\/farm4.static.flickr.com\/3337\/3274955487_766014dab1_m.jpg?w=640\"\/)
<\/p>\nThe recent news about the credit card interest rate hikes has reminded me to write this post about how to use your credit card and never get in debt.<\/p>\n
<\/p>\n
If you recently got your first credit card, please remember these very simple rules.<\/p>\n
If you follow these simple rules, you won’t ever be affected by stupid interest rate hikes since you’ll owe nothing to the bank.<\/p>\n
To explain a little further rule #2, when your credit card statement comes, DON’T EVER pay the “Minimum Amount Due<\/strong><\/em>“, pay everything you charged for during the last period, leave the balance in 0, it will give you a warm fuzzy feeling in your belly to know the bank won’t stick it up your ass anytime soon. <\/p>\n If you can’t pay everything you charged, it means you didn’t follow rule #1, shame on you!<\/strong><\/p>\n Another tip, don’t use your credit card for the “points” or the “Rewards”, it’s all a load of crap.<\/p>\n Remember, a Credit Card is not Free Money. Believe it or not there seems to be a shitload of people out there that don’t seem to follow these 2 simple rules and now they’re “pwned” by the banks and crying to papa Obama.<\/p>\n Again…<\/p>\n DON’T BUY SHIT YOU CAN’T AFFORD, AND ALWAYS PAY YOUR BALANCE IN FULL<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" The recent news about the credit card interest rate hikes has reminded me to write this post about how to use your credit card and never get in debt. If you recently got your first credit card, please remember these very simple rules. Don’t buy shit you can’t afford Always pay your balance in full […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[29],"tags":[311,312,361,533,1052],"class_list":["post-1295","post","type-post","status-publish","format-standard","hentry","category-gear-grinders","tag-credit","tag-credit-card","tag-dummies","tag-howto","tag-usage"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Unzf-kT","jetpack-related-posts":[{"id":3183,"url":"https:\/\/www.gubatron.com\/blog\/bitcoin-essentials-and-must-have-bookmarks\/","url_meta":{"origin":1295,"position":0},"title":"BitCoin essentials and must have bookmarks","author":"gubatron","date":"November 19, 2013","format":false,"excerpt":"BitCoin is probably the most exciting thing to happen to money since the history of... money, as off the shelf computer harware, software, cryptographic tools, and p2p internet technology have come together to create a currency that: - Doesn\u2019t need a bank to be secure or to validate transactions, it\u2019s\u2026","rel":"","context":"In "BitCoin"","block_context":{"text":"BitCoin","link":"https:\/\/www.gubatron.com\/blog\/category\/bitcoin-2\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1421,"url":"https:\/\/www.gubatron.com\/blog\/why-i-couldnt-go-back-once-i-had-a-mac\/","url_meta":{"origin":1295,"position":1},"title":"Why I couldn’t go back once I had a Mac","author":"gubatron","date":"October 2, 2009","format":false,"excerpt":"Whenever I try to explain why I'm now a Mac user and why I certainly don't intend to buy anything different than a Mac (unless something really superior comes along) and even though you could probably get a super duper machine with cheaper parts, I always say that it's all\u2026","rel":"","context":"In "Geeklife"","block_context":{"text":"Geeklife","link":"https:\/\/www.gubatron.com\/blog\/category\/geeklife\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1488,"url":"https:\/\/www.gubatron.com\/blog\/the-internet-is-becoming-the-googlenet\/","url_meta":{"origin":1295,"position":2},"title":"The Internet is becoming The Googlenet","author":"gubatron","date":"December 14, 2009","format":false,"excerpt":"Am I the only one that's scared? Am I the only one that's not eating the \"Google Red Pill\"? If you're not scared it's my intention to shake you up a little bit. Let's see what Google has done and what it's trying to do.","rel":"","context":"In "Geeklife"","block_context":{"text":"Geeklife","link":"https:\/\/www.gubatron.com\/blog\/category\/geeklife\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3202,"url":"https:\/\/www.gubatron.com\/blog\/sending-money-banks-vs-bitcoin\/","url_meta":{"origin":1295,"position":3},"title":"Sending money: Banks vs BitCoin","author":"gubatron","date":"November 27, 2013","format":false,"excerpt":"So I\u2019m in desperate need to send money to my family in Venezuela this week, and sadly they\u2019ve still not adopted (or even heard off, much less understood bitcoin yet) and I\u2019ve been forced to wire some money to an account in Per\u00fa to a friend of the family. 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Continue to hold enter and mode for a few more seconds. 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