In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

A special thanks to all our subscribers around the world. There are now over 10,000 Crusaders with many more joining us daily. We appreciate the confidence you have placed in our publication and pledge to continue providing you with high quality content.

Do a friend or relative a favor and pass this newsletter along to them. Together we will travel down the Path to Wealth & Prosperity, one $dollar$ at a time.

To your financial success!
Al Crisp CPA

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Having a credit card can be a wonderful thing. It is a big advantage to have a credit card, especially when you want to make purchases online, reserve plane fare or hotel rooms over the phone, or just don't happen to have cash when you decide to make a purchase. However, having credit cards can cause several problems if you don't watch your spending habits carefully. Using a credit card is serious and should be recognized as a huge responsibility. If you follow these simple tips to using credit cards, you should stay out of trouble and find your credit cards to be a benefit to you:

1. When you buy something with your credit card, always be aware that you are actually "borrowing" money. Never borrow more than your ability to pay it back.

2. Always maintain a record of your credit card balances during a month so that you are aware of what you have already spent. This will help you evaluate if you can make any more purchases in that month as even small purchases can add up to large balances.

3. Retain all receipts at least until you can compare them to the credit card monthly statement. If some purchases do not match or if some charges are higher than those on the receipt, immediately contact your credit card company.

4. Never give out your credit card to anyone! This includes people in your family and any of your friends. It is not that you cannot trust these individuals, but you cannot track purchases you are not even making.

5. Never charge more than you can repay. When you do, you can hurt your future chances of getting any kind of credit, including car loans, home mortgages and other forms of loans.

6. Aim to pay all your bills on time. When you do that, you will avoid heavy finance charges and accruing interest. Add these to your missed payment, and the balance continues to grow.

7. Try to have your credit card bills paid in full every month. To ensure this, budget your credit card purchases on a monthly basis and then don't allow your purchases to exceed that amount.

8.Keep your credit cards for new purchasing. Don't pay one credit card bill with a different credit card. This will inevitably lead to more charging and higher balances.

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