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Credit cards can either be one of your smartest financial tools or the key to your financial downfall. Many people find themselves facing bankruptcy when credit card balances and fees get out of control. Fortunately, whether you’ve already met with a bankruptcy attorney and gone through the process or if you are just starting out with credit, you can make your cards work for you with a few simple habits.

Start by only using your cards for what you can pay off each month. Interest rates can drive your balances out of control very easily. Resist using your cards for everyday purchases, like coffees or lunch, and instead save them for big-ticket items. If you do carry a balance, pay more than the minimum each month if you can, and make a point to never miss a payment.

If you are facing a financial crisis, let Cutler & Associates, Ltd. help you understand how bankruptcy can work for you