Here’s how the credit management practices can be matched to their corresponding time frames:
Short-term practices:
- Pay off balances in full each month.
- Stick to a budget successfully.
- Shop around for the best interest rates.
Medium to long-term practices:
- Speak to a credit counselor for ways to best repay debt.
- Gather information from banks about the credit cards they offer.
Feel free to adjust based on specific criteria if needed!