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TODAY'S SAVING TIP  Contact the CRAs listed in the Yellow Pages under "credit" or "credit rating and reporting." Because more than one CRA may have a file on you, call each until you locate all the agencies maintaining your file. The three major national credit bureaus ... Read more
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Top Credit Cards Tips from AskMrCredit.com

Credit card safety

It is your responsibility to protect your credit card from being stolen or used without your permission. Follow these tips to protect your card--and your credit: Never lend your card to anyone, ...Read more

Establish and protect your credit - what lenders look for

Before creditors lend money, they need to be assured that the funds will be repaid. In other words, is the prospective borrower creditworthy? To find out, they ask for various types of ...Read more

Credit and charge cards - uniform disclosures

To make sure that consumers receive detailed and uniform disclosures of rates and other cost information related to credit and charge card accounts, Congress passed the Fair Credit and Charge Card ...Read more

History of credit cards

The concept of credit cards came into fruition just before World War I when Western Union provided some of its customers with a deferred-payment service. But it wasn't until the 1930's that we saw ...Read more

Avoiding card fraud - unsigned credit cards

Stealing and using credit cards that have not been signed is another potential fraud. In other words, credit card thieves could steal your unsigned credit cards and then sign your name on the card in ...Read more

Credit and charge cards - earlier disclosure

Truth in Lending also requires card issuers to provide the information earlier than they had in the past. This lets you find out what credit will cost you before you are charged any fees.If a card ...Read more

How do credit cards work

Many credit cards work as follows: You charge goods or services and the merchant who accepts your credit card sends the transaction information to the card-issuing institution. The institution then ...Read more

Lost or stolen credit cards

If your wallet is stolen, your greatest cost may be inconvenience, because your liability on lost or stolen cards is limited under Truth in Lending. You do not have to pay for any unauthorized ...Read more

Avoiding card fraud - stolen cards at the office

Over the lunch hour when you leave your office for lunch, you could be the target of a credit card thief. Credit card thieves often gain illegal access to the offices of employees who are away in ...Read more

Credit card - if your application is denied

If you're turned down for a card, ask why. It may be that you haven't been at your current address or job long enough. Or that your income doesn't meet the issuer's criteria. Different credit card ...Read more
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