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Maxing out the card Another common mistake and one that half the country is at fault of is maxing the card out topic. debt and bill consolidation credit card debt settlement If you have maxed your credit card out it's a sure sign that you are living beyond your means, so what hope have you got of repaying the debt without a radical overhaul of your debt management skills! 6. Late payments Late payments subject you to extortionate interest rates and set fees, very profitable for the credit card company and a very unfortunate mistake for you to be making! 7. Not checking your statement A common error when we start to feel the pressure of a debt burden is to start to ignore the fact that the debt exists in the first place. If this happens, the chances are the fees and charges will start to accrue and the next thing you know you are not making the minimum repayments. Suddenly you are the subject of more fees and charges. And so the cycle goes on! 8. Adding a secondary user Although some may not consider this a mistake, if you add a secondary user to your credit card account you've suddenly lost control over the spending on your card - no matter who the person is. Now bills can rack up on your account without your normal controlling self, as they are being transacted by a third party (who you authorise). A credit card company's dream. 9. Using your card overseas For every overseas purchase you make you could be subject to fee and a lousy exchange rate. So, even if you are the perfect credit card customer and pay your bill in full and on time, suddenly the card issuer is making money out of you! 10. Not reading the credit card agreement In your haste to get a credit card you have not read the terms and conditions of the agreement and so you are not aware that if you act in a certain way or do something you should not, then you are likely to be paying for it. But the real reason why this is on of the common credit card mistakes that issuers love to see is because if you don't read the agreement carefully they can charg