As we roll into the new year, it's only natural to start thinking about how you'd like to do things differently over the next 12 months. Even if you don't make formal resolutions, chances are there is something in the back of your mind that you hope and dream for in 2013.
Unfortunately, by the end of the year, our good intentions often remain just that…good intentions. After all, losing those last 10 pounds is hard. Getting up at 6am to exercise is hard. Finding a way to organize all that paperwork is hard.
You know what isn't hard? Getting your credit cards in order. In fact, here are five resolutions you can easily have done before the end of the month.
1. Shop for a better rate
When is the last time you compared credit card rates? While the days of having offers for zero APR credit cards filling your mailbox have slowed down, that doesn't mean you have to settle for a card that keeps inching up your interest. It doesn't take long to compare credit cards online and find out if you are eligible for one of today's low interest credit cards.Love your current card? Don't be shy about calling and asking if they can lower your rate. You may be surprised how many times credit card companies say yes.