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In Part 1 of this series we talked about how a gas station credit card can be beneficial. There are also some areas where we have to be careful.
What Watch Out For
1. You need to ensure you do not have that extra drive to get the discount. Remember, you can save about $ .10 per gallon. If you put an average of 15 gallons of gas in your car when you stop to fill, which means a total of $ 1.50. The mileage rate offered by many businesses for business driving is now $ 505 per mile, that is, the overall cost of driving our car (on average) is 50 cents a mile and a half. If you must drive more than 1.5 miles (3 miles round trip) to get this economy has lost money. They have also some additional time to conduct these three miles. My suggestion is that if you had to drive over 5 miles (1 mile roundtrip) to arrive at a gas station where they can obtain a rebate, forget it.
2. You need to stay within your budget. If the budget of $ 400 a month for gas and pay with cash or check, it is easy to know when the money budgeted for gas is empty. When paying for something often with a credit card, like gas, is easy to lose track of how much was spent. You need to pay attention to how much they have spent, or can easily get out of hand.
3. When going to a gas station, watch in-store purchases. Items such as candy, chips, coffee and other food items have been marked largely. That savings achieved by purchasing gas can lose quickly with only some shopping at the store.
4. The biggest concern with the gas station credit card is the same as is with any other credit card. Usually, these cards can be used in other stores as well and sometimes offer a 1% – 2% discount for any purchases at the store using your credit card. Use the same rule as always, with respect to credit cards. If you can not pay immediately, but no. Do not be fooled, like the small 1% – 2% of the rebates will be devoured very quickly with exorbitant interest rates that these charge cards. That savings too small, not worth it unless you are absolutely sure that the money budgeted savings in the session or at home.
Suggestions
I suggest getting and using a station gas credit card under the following conditions:
1. Make sure you are not driving more than an extra mile .5 to get the discount.
2. Stay away from shopping at the store.
3. Gas station credit cards used for gas purchases only. Cancel the card on a weekly basis, if not before.
4. Be careful when using the card for anything besides gas. If you can not pay for it, do not use.
Warnings
Do not let misled by the very small return available on other purchases and spend more. Remember that this credit card is like any other credit card if not immediately pay the fees they pay big interest on the balance.
Conclusion
Amid tough economic times we are facing now, a gas station credit card can save us a few dollars. To use a gas station credit card to our Please, not the credit card companies, follow the steps above. Above all, remember, if you can not pay for it, do not buy it.
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Tom Thorne
http://www.FeelingOutstanding.com
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