1. Monitor spending closely.
2. Sign up for free e-mail alerts.
3. Make the limit your limit.
4. Call ahead and get that limit raised.
5. Check out cards from local banks and credit unions.
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Want to know when your credit card issuer can raise your rates? Read your contract, says Kevin Mukri, spokesman for the Comptroller of the Currency, which regulates national banks. |
Credit card statements are the ultimate math-class word problem. Get one wrong and the bad mark will stay with you a while -- on your credit report.
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A five-minute phone call to your credit card issuer could save you hundreds, even thousands, of dollars in interest charges. |
A five-minute phone call to your credit card issuer could save you hundreds, even thousands, of dollars in interest charges. |
Before you transfer that hefty credit card balance to a card with a super-low introductory rate, read the fine print and ask questions. Otherwise, you could end up paying fees and a much higher interest rate than you expected. |
There's always a right way and a wrong way to do things, and that goes for canceling a credit card.
Whatever your reason for getting rid of a credit card you'll want to make sure you do it thoroughly and that no harm is done to your credit report.
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When it comes to buying online, credit cards are the only way to fly.
"The bottom line is that people feel a lot safer (using credit cards)," says Linda Sherry, spokeswoman for Consumer Action, a nonprofit advocacy and education group. "Much as I advocate pay-as-you-go, when shopping online or with merchants you don't know, a credit card is a lot safer."
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Don't you just hate it when you buy a product and bring it home, only to discover the product is damaged or poorly made?
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In 2008 we still are affected by the ruinous effect on our credit affairs caused by the credit card industry deregulation which took place in the 1980s. In an effort to bring greater competition onto the credit card market and, consequently, lower the costs of credit to customers, the deregulation gave lenders the freedom to set specific rates for different social groups of the American society. |
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