Useful Advice When Applying For Credit Cards
Sorting through credit card offers can be a hard task. Some guarantee approval, others tout their rewards programs, and some boast low interests. Which should you choose? The following information will assist you in understanding what you must know about these cards.
Report any fraudulent charges on your credit cards as soon as you see them. By doing this, you will help the card company to catch the person responsible. This is also the best way to make sure that you are not held responsible for these charges. Many false charges can be fixed with a simple phone call.
When you are unable to pay off one of your credit cards, then the best policy is to contact the credit card company. Letting it just go to collections is bad for your credit score. You will find that most companies will let you pay it off in smaller amounts, as long as you don't keep avoiding them.
Keep track of how much money you are spending when using a credit card. Small, incidental purchases can add up quickly, and it is important to know how much you have spend on them, so you can understand how much you owe. You can keep track with a check register, spreadsheet program, or even with an online option offered by many credit card companies.
Make friends with your credit card issuer. Most major credit card issuers have a Facebook page. They might offer perks for those that "friend" them. They also use the forum to address customer complaints, so it is to your advantage to add your credit card company to your friend list. This applies, even if you don't like them very much!
All people with credit cards should get a copy of their credit report at no cost each year and look to see that everything is right. Compare your statements with any debts you may have to be sure they're a match.
Often, people receive a huge amount of offers in their snail mail from credit card companies looking to gain their business. With a little bit of research, making the right credit card selection becomes a simplified process. Now that you have read this article, you have the kind of advice you need to begin making the right credit decisions.
Report any fraudulent charges on your credit cards as soon as you see them. By doing this, you will help the card company to catch the person responsible. This is also the best way to make sure that you are not held responsible for these charges. Many false charges can be fixed with a simple phone call.
When you are unable to pay off one of your credit cards, then the best policy is to contact the credit card company. Letting it just go to collections is bad for your credit score. You will find that most companies will let you pay it off in smaller amounts, as long as you don't keep avoiding them.
Keep track of how much money you are spending when using a credit card. Small, incidental purchases can add up quickly, and it is important to know how much you have spend on them, so you can understand how much you owe. You can keep track with a check register, spreadsheet program, or even with an online option offered by many credit card companies.
Make friends with your credit card issuer. Most major credit card issuers have a Facebook page. They might offer perks for those that "friend" them. They also use the forum to address customer complaints, so it is to your advantage to add your credit card company to your friend list. This applies, even if you don't like them very much!
All people with credit cards should get a copy of their credit report at no cost each year and look to see that everything is right. Compare your statements with any debts you may have to be sure they're a match.
Often, people receive a huge amount of offers in their snail mail from credit card companies looking to gain their business. With a little bit of research, making the right credit card selection becomes a simplified process. Now that you have read this article, you have the kind of advice you need to begin making the right credit decisions.
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If you are looking for Consumer Credit Legal Service (WA) contact CCLSWA by clicking on the link.
posted by Vittoria @ May 22, 2015
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