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Nearly everyone uses credit cards, but an informed and careful consumer can keep out of trouble. Did you know that your credit card activity, good or bad, affects your credit rating? Be very careful to pay your credit cards on time. Simple laziness or absentmindedness can have a negative affect on your credit rating.
Did you also know that it's possible to have too much credit? If you have several credit cards with high limits, even if you don't carry balances on those cards, creditors may look at that as potential debt and consider that when assessing the risk of lending you money. Some people fee rewarded when their credit card company increases their credit limit. But if you don't need it, decline the increase. Or if your limit is already much higher than you need, request that they lower it.
If you have overextended yourself and are having a difficult time managing your credit card debt, you may wish to seek the assistance of a debt counselor or a debt consolidation service. They can help you get control of your debt and set up a pay-off plan. There's nothing like the feeling of being free of credit-card debt!
Credit cards are also a major source of fraud. Your credit card number, in the wrong hands, can result in a nightmare. If you've lost your credit card, contact your credit card company immediately.
Finally, take a look at the tips in this credit card section for ideas and information to keep you in good credit standing.
Top Credit Cards Tips from AskMrCredit.com
Why using credit cards?
Whether you shop online, by telephone or by mail, a credit card can make buying many things much easier; but when you use a credit card, it’s important to keep track of your spending. Incidental and ...Read moreWhat's APR?
Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also must be disclosed before you become obligated on the account and on your account ...Read moreAct quickly if your credit card is lost or stolen
If your credit card is lost or stolen, contact your bank or issuing institution immediately. Your monthly statement should list the phone number of whom to contact. You do not have to pay for any ...Read moreAvoiding card fraud - discarded charge slips
Sometimes, people may collect copies of your discarded charge slips from the wastebasket. Dishonest people could use the information from the copies to order merchandise by mail and ship it to a ...Read moreI found an error on my credit card bill, what should I do?
Issuers must follow rules for promptly correcting billing errors. You'll get a statement outlining these rules when you open an account and at least once a year. In fact, many issuers include a ...Read more10 ways to protect your credit cards?
You may think these ten rules are unnecessary. But if you ignore them, you make it easy for the wrong people to use your cards. Never leave your cards unattended at work. There are more credit ...Read moreApplying for credit cards
When applying for credit cards, it’s important to shop around. Fees, charges, interest rates and benefits can vary drastically among credit card issuers. And, in some cases, credit cards might seem ...Read moreAre companies allowed to print my entire credit card number on my receipt?
After December 4, 2006, companies will not be allowed to print your credit or debit card expiration date or more than the last 5 digits of your card number on your electronic receipt. Some businesses ...Read moreAvoiding card fraud - extra copies of charge slips
When processing your credit card, a dishonest merchant may decide to imprint a few extra copies of the charge slip. Later, the merchant can submit these copies to the issuing institution for payment ...Read moreAvoiding card fraud - loss of multiple cards
While shopping, you can easily be targeted by pickpockets. If your purse or wallet is stolen, you may lose all your credit cards at one time. Separate your cards. Only carry those cards with you ...Read moreShowing 1 to 10 of 64 Facts
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About Credit Cards - Did you know?
Cards issued by Issuing Banks to customers with which to charge for the purchase of products and services. The first general use credit cards emerged in 1958, with the BankAmericard, from the Bank of America. The BankAmericard was later renamed the VISA card. Meanwhile, the MasterCharge card appeared, itself also later renamed the MasterCard.
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