Have you got a written budget plan that you simply follow monthly?
Not living in your means.
Have you been doing splurging or buying expensive things even if it means borrowing against your credit? Are you currently often out partying with friends using only your credit cards to cover your bills?
Missing your work deadlines.
Have you been often late in paying off your plastic card balances? Missing your due date of payment only for starters day can cost you late fees.
Acquiring shop charge cards in order to have a discount.
Do you make application for a shop card simply to have a 10% discount on a $500 valuation on purchase?
Chasing plastic card rewards.
Do you have a treat bank card? If yes, using it to get things may be tempting however, if you’re unsure whether you are able to pay off your full balance or not, it’s far better to skip the acquisition.
Not checking your personal credit history regularly.
Checking your credit score twice per year will be your best way to protect yourself against identity theft. Identity thieves can try and open accounts in your name this means you will take months before you decide to learn that you’ve been a victim of fraud.
Source:6 Improper habits that will Bring about Bad Credit
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