If you notice that you’re having difficulty in juggling your credit card payments, it’s time to take appropriate action immediately. Don’t wait until bills pile up in your mail or until your credit card issuers start to call you about past due charges. Acting upon the problem right from the start can save you from bad debt.
Many consumers own more than one credit card. Add to this, many people carry balances on not just one card, but on two or all their credit cards even. Carrying over balances from one billing cycle to the next is a very risky habit.