Use Credit Wisely

Use credit wisely to make your budget work.

Use credit wisely to make your budget work.

Credit can be enormously useful, letting us buy the things we want in life sooner, helping us to manage our cash flow, and it can be especially useful in emergencies.

But credit is also a big responsibility. It should be used wisely, because using credit to spend beyond your means can lead to unmanageable debt and serious financial trouble.

The more you know about credit - how it works and how to use it effectively, the easier it is to use this powerful tool wisely.

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Throughout 2016 and 2017, a number of financial institutions will be moving to Comprehensive Credit Reporting, also known as 'Positive Bureau'. This will enable credit providers to make more informed credit decisions.

Citibank is currently working with the Credit Reporting Bodies to implement 'Positive Bureau' by 2017.

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