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Tips And Tricks That All Credit Card Users Must Know

A credit card is nice to have in an emergency, when making reservations and while on vacation. Do you need to make an emergency purchase but have no cash right at hand? Using bank cards recklessly can lead to negative credit reports and financial ruin. In this situation, a credit card can be beneficial. Are you looking to improve your credit score? Having a credit card helps with that! Keep reading this article for great ways you can make use of a credit card.

TIP! Learn how closing the account associated with your credit card will affect you before you shut it down. Many times, closing an account leaves a negative mark on your credit record, and should be avoided, even if you do not plan to ever use the account again.

If you notice a fraudulent charge on your credit card, report it immediately. This will help your creditor catch the person who is using your card fraudulently. In addition, this is the best method of ensuring you aren’t responsible for the charges. A quick call or simple email may be all that is required for you to report a fraudulent charge.

Make sure you know what your interest rate will be with a given credit card. It is essential that you find out before you ever sign up for the card. If you do not know, you could end up paying much more than the original price. If the interest rate is too high, you might find yourself carrying a bigger and bigger balance over each month.

Credit Limit

With any credit card debt, you need to avoid late fees and fees associated with going over your credit limit. Both are high fees and going over your limit will also damage your credit score. Watch your spending so you don’t exceed the credit limit.

TIP! Read the credit card agreement thoroughly before you sign your agreement with the company. When you make your first purchase on a new credit card, the credit card company will usually consider your purchase as your acceptance to their terms.

Charge cards frequently are linked with various types of loyalty accounts. If you use bank cards often, try to find a card with a great loyalty program. Used wisely, they can even provide an extra source of income.

Never use passwords or pin codes on charge cards that are easy to figure out. It is a terrible idea to use things like middle names, birthdays and children’s names because anyone can learn that information.

TIP! Do not use credit cards to buy items that you cannot afford. A credit card isn’t the magical solution to getting the flat screen TV or new computer that you have always wanted.

Do not write you password or pin number down at any time. You must remember the number so that others can’t access your account. Keeping your card and the PIN in the same location is an open invitation to thieves and fraudulent people.

Credit Score

TIP! There should not be any blank spaces left when you putting a signature on a credit slip in stores. Draw a line all the way through a tip line to prevent someone else from writing in an amount.

Stay aware of your credit score. A score of 700 is what credit companies feel the limit should be when they consider it a good credit score. Be wise with your credit to maintain that score or to attain it, if your score is lower. This will enable you to take advantage of the very best credit offers, including low rates of interest and fantastic incentives.

We have all experienced it: Another annoying credit card solicitation comes in the mail, asking you to get one of the company’s cards. Often times you won’t be interested in getting a new credit card right them. Always shred any credit card offer that comes through the mail. Many of these offers contain your personal data, making trash a common source of information for identity thieves.

TIP! Verify the legitimacy of an online seller before using your credit card on their site. Call the company to be sure they are still in business, and never buy from a store that has no street address listed.

As you can see, bank cards have plenty of uses. Credit cards have so many uses, from little purchases on the checkout line, to helping improve one’s credit score. Use the advice in this article to make sure to use your credit wisely.


  • bank cards
  • credit card
  • credit limit
  • credit score
  • interest rate

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