Finance Wanted.

By Timothy Croy

Most financial experts agree that credit cards are a plague to the regular consumer, and to avoid them at all costs. However, using sound debt management you can use your credit card to make extra cash every month. Here's how:

1) The first step takes a small amount of research on your part. Go online and check out all of the credit card offers you can get your hands on. Look especially at the offers that give you rewards or cash back. Once you've found the "cash back" category look at all the terms on each card. Ideally you want to find a card that gives you a 1-5% cash back on all purchase. Cards to avoid are those with annual fees and ones that only allow cash back at choice merchants. There are cards that exist that give you cash back on ALL purchases. This is what you want.

2) Step two: Apply for the card that offers cash back on every purchase you make with no annual limit.

3) Once you've received your card, use it to make every purchase you would normally make. This means everyday living expenses that aren't out of the ordinary such as gas and groceries. If you cannot discipline yourself enough to not make exorbitant purchases, then this guide may not be for you.

4) This is the most important step. You need to pay your credit card bill in full every single month and on time. Do not carry a balance over and do not accrue late charges. This is roughly the same as paying for all of your regular expenses in one lump sum, instead of several different payments. This step also takes discipline and is very crucial for "making money" with your credit card.

5) Once you've accrued enough cash back on your credit card, request a check in the mail from the credit card company.

Voila! Once you've deposited your check, you've successfully earned money with your credit card with minimal effort. The more you spend using the card, the more money you make. This process will not make you rich, but if your card has a high cash back percentage (say 5%), the money can add up quick.

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