var tipArray = new Array(32);
tipArray[0] = "";
tipArray[1] = "Always pay at least your minimum payment on your credit card statement on or before the due date.";
tipArray[2] = "Always read the FINE PRINT before accepting any balance transfer offer or offer of new credit.";
tipArray[3] = "Check your credit card statement EACH MONTH for double charges, mistakes, incorrect or unauthorized charges, and payment due date.";
tipArray[4] = "If you pay your entire balance on or before the due date, you will pay no interest. This gives you FREE use of the money for usually between two to four weeks.";
tipArray[5] = "Never exceed your credit limit on any account. If you do charge over by mistake, call the credit card company immediately, admit the mistake, and see your alternatives to solve the problem and remain in good standing.";
tipArray[6] = "Use the credit card company website to make your payment and check your account. This catches mistakes early, and helps insure your payment is always on time.";
tipArray[7] = "Do not apply for credit you do not need.";
tipArray[8] = "Before accepting any balance transfer offer, review the term length, the interest rate, and the up front charges. Read ALL THE FINE PRINT.";
tipArray[9] = "Cash advance offers are usually very expensive. Avoid using them, and above all, do not confuse them with low interest balance transfer offers.";
tipArray[10] = "Some credit card companies DO NOT have a maximum limit on up front charges for balance transfers. Verify by reading the fine print and/or calling the credit card company to make sure.";
tipArray[11] = "Most credit card companies determine your monthly minimum payment as follows: 1% of your outstanding balance PLUS your actual finance charges.";
tipArray[12] = "Some credit card companies determine your minimum monthly payment as follows: 2% of your monthly balance.";
tipArray[13] = "If you charge something on a credit card you are legally obligated to pay for it. Do not charge what you cannot afford to pay.";
tipArray[14] = "Any payment you send first goes toward paying finance charges, then toward paying the lowest interest rate balance working on your credit card account.";
tipArray[15] = "Using one credit card balance transfer to pay another credit card balance almost always increases your debt.";
tipArray[16] = "Contrary to popular belief, credit card companies DO NOT want you to default.";
tipArray[17] = "Credit Card Companies have very clever marketing. When they make an offer, you can be sure it is for their benefit, not for yours. But if you learn what to do, you can take advantage of the loopholes.";
tipArray[18] = "Knowing everything about your credit card debt is the first step toward getting rid of your credit card debt.";
tipArray[19] = "There are several great ways to safely make money from your credit cards, but only if you do it the right way.";
tipArray[20] = "Think of credit cards as a game. Then learn the rules, the physics and the smart methods, then \"play\" with the intensity of a professional athlete Click Here.";
tipArray[21] = "If you want to finance a business venture with credit cards, good planning is the key.";
tipArray[22] = "If you use the balance transfer offer of a bank to try to pay the account of another credit card with the same bank, they will DISALOW the transfer.";
tipArray[23] = "Not all credit card offers are equal. TheCreditCardMagician.com has pre-selected the best offers for each type of card. Choose the right credit cards for your needs.";
tipArray[24] = "The first and most important thing you can do to keep your credit picture healthy is to pay at least your minimum payment on time each month without fail.";
tipArray[25] = "You can find out everything you need to know about your credit score by visiting annualcreditreport.com.";
tipArray[26] = "You are not likely to get good (long term and low interest) balance transfer offers in January or February.";
tipArray[27] = "Develop a filing system that ensures you will always make at least your minimum payment on time.";
tipArray[28] = "A missed payment will cancel your low interest balance transfer deal immediately.";
tipArray[29] = "A missed payment will almost always result in a late charge - but it is worth calling the credit card company and asking for forgiveness of the charge. If it is unusual for you to miss, you have a good chance of having the charge removed.";
tipArray[30] = "Credit Cards are tools. Use them the right way.";
tipArray[31] = "If you are Maxed Out on your credit cards, you need help";
tipArray[32] = "Beware of Credit Card Consolidation companies. They can be expensive and might ruin your credit. There are better alternatives.";