How to Break Bad Credit Habits

To break the credit habit, consider creating a cash-only habit. Leave your credit cards at home and carry enough cash to cover essential costs – such as transportation and groceries. To pay off your debt, set up automatic monthly bill payments so your credit card bills are covered as soon as you get paid, before you have a chance to spend that money.

You might assume it’s due to rising costs, tightening credit and the fact you haven’t had a raise in, like, forever. But truthfully, if your basic needs are being met, problems you’re having are more likely a result of bad money habits you’ve picked up-behaviors you’ve repeated so often they’ve become almost automatic.

Bad credit card habits can quickly lead to financial problems. Things like debt, late or missed payments, can have a negative impact on your credit score. Learn if you’ve picked up any bad credit habits. Rounded up are the top 13 bad credit card habits that credit card holders need to break as soon as possible.

Breaking bad habits isn’t about stopping, but substituting. But habits are also patterns of behavior and it is the breaking of patterns that are the key to breaking the habits themselves. Usually there is a clear trigger to starts the pattern. Sometimes the triggers are emotional – the wanting a drink or cigarette or nail-biting driven by stress.

If you’re using credit cards to fund a lifestyle you can’t afford, that is a bad habit. How to break the habit: Reevaluate your relationship with credit cards. Tally up what you’re actually paying in interest every month, and use it as a motive to stop spending before it gets any farther out of hand.

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 · By now you should realize that the only way to continue with a bad habit for very long is to sink back into denial of why you are doing it in the first place. Each time you begin to resume your old patterns the thought will pass through your mind that you are trading X.

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As your credit rating dips, so too will your ability to qualify. It takes step-by-step diligence to break bad habits and replace them with good ones. start small and before you know it, big changes.