Have you got a written budget plan that you follow every month?
Not living within your means.
Have you been responsible for splurging or buying expensive things even if it means borrowing against your credit? Are you currently often out partying with friends using only your charge cards to pay your debts?
Missing your due dates.
Are you often late in reducing your bank card balances? Missing your payment date of payment only for starters day can cost you late charges.
Acquiring outlet credit cards only to have a discount.
Did you make application for a outlet card only to get a 10% discount with a $500 valuation on purchase?
Chasing charge card rewards.
Do you have a treat credit card? If yes, using it to buy things may be tempting however, if you’re unsure whether it is possible to pay back your full balance or otherwise not, it’s advisable to skip the acquisition.
Not checking your own credit history regularly.
Checking your credit score at least twice a year is the 6 ways to protect yourself against id theft. Identity thieves can make an effort to open accounts with your name also it can take months before you decide to find that you’ve been a victim of fraud.
Source:6 Improper habits that could Result in A bad credit score
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