How do you manage your credit card usage? How do you monitor its usage? Usually you don’t monitor it well until you get a phone call that you are overlimiting your credit card usage. Eventhough you think that you are not using it until overlimit, there are some charges that usually come up in your statement. And that is interest charge which usually high, especially if you always pay a minimum payment every month.
If you are a kind of people that always pays minimum charges, you should try to discipline your by writing down your usage or you will get penalty charge for overlimit usage. Try to record it after you use your credit card, or you can collect credit card receipts and write down all information once or twice a week.
You can print this blank credit card usage form and start writing all usage information manually. You can modify it to suit your specific needs.
