Credit Card Consumer Guide Credit Card Application
Credit Card Basics
Choosing credit cards
Reading fine prints
Interest rates
Billing errors
Balance Transfer
 
Credit Card Offers
Low APR credit cards
Low intro rate cards
Business credit cards
Student credit cards
Reward credit cards
Airline credit cards
Secured credit cards
Unsecured credit cards
Visa credit cards
MasterCard credit cards
Apply for a credit cards
 
Your Credit Rating
Your credit rating
Good credit
Bad credit
No credit
 
Credit Card Usage
Money Saving Tips
Unauthorized Transaction
Prevent Late Payments
Credit Card Usage TIPS
 
Credit Card Debt
Credit Card Debt
Debt Reducation Strategies
Debt Consolidation
 
Consumer News
 
 


Credit Card Usage Tips

Money Saving Tips
Tips to help you save money - Check your statement monthly, watch for errors or changes in rates and Set up auto pay or online payments.
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Unauthorized Transaction
See How you can Protect yourself from Unauthorized T3530 Transactions with tips like Do not keep PIN numbers, Social Security Numbers in your wallet.
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Prevent Late Payments
Ways to Prevent Credit Card Late Payment - If your card is on a local bank go into the bank to make your payment the teller will date stamp your receipt for your records.
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Credit Card Usage Tips
How you use your credit is reported by lenders and reported to national credit bureaus to create your credit history. That's why it's important for you to have good spending and paying habits.
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How to Cancel Your Credit Card

If you plan on canceling a credit card make sure you do it carefully. Canceling a card can hurt your credit score. Don’t cancel it while you still have a balance, pay it off first.

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Reduce finance charges
Make sure you card has a grace period, usually 20-25 days if you pay in full every month you will pay no interest. Pay more than the minimum balance.
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Keeping Your Credit Cards in Control
When you have credit it becomes much too easy to spend too much money on things you really don’t need and then get yourself into financial trouble.
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Essential Credit Card Usage Tips

Transferring to a lower interest card is not paying off your bill, know when the offer ends and interest rates increase.

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Credit Line
You have a credit card but your limit is too low, what do you do? It is possible that you will be able to get and increase in your limit.
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Credit Card Incentives
The best way to use rebate and incentive cards are to pay off your balance every month and Make sure you study offers carefully to decide if they are right for you.
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Preapproved credit cards
"Pre-approved" doesn't mean you're really approved. It's deliberately misleading for consumers in order to get you to apply for their card.
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Fair Credit Billing Act
The Fair Credit Billing Act applies to "open end" credit accounts that include: credit cards, revolving charge accounts, and overdraft checking.
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When Your Application Is Rejected
There are many companies with many different kinds of credit cards. Different credit card companies have different standards.
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Credit Card Transaction
When you use your credit card to buy something it puts an entire network into motion. There are number of Steps involved in a normal credit card transaction.
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Credit Card History
Credit card has become a financial staple of the American family. Credit cards are easier and safer to carry than cash in many instances.
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Credit Card Skimming
This is a fairly common credit card crime. Criminals use a hand-held device called a skimmer, which looks like an ATM keyboard.
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Credit Card Frauds
Credit card fraud is a booming business and thieves are getting away with millions of dollars annually. A thief does not have to steal your credit card or rifle through your trash to get account numbers.
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When Your Credit Card is LOST or STOLEN
In case of Lost or Stolen immediately contact all your credit card companies. Hopefully you were smart enough to have put all your cards, front and back on the copy machine, made a copy and filed it for just this problem.
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Problem with Your Purchase
Let’s say you buy a new Desktop and it arrives damaged. All you have to do is discuss this issue with the credit card company you charged the desktop to and they will charge back the cost and credit your account.
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You Can Negotiate
Some people would never think of this, but you can negotiate with your credit card companies for a variety of things.
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Billing Errors
Billing errors do occur, but they are easy to fix if you know how to use the Fair Credit Billing Act (FCBA). To be protected under this law, you must send the creditor a written notice about the problem to avoid paying for any charges you dispute.
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