Charge cards are handy because they let consumers buy things without paying for those purchases. Keep reading to discover some terrific credit cards.
It is wise to have two to three credit cards available for your use. This can build up a credit score, especially if you don’t carry a balance from month to month. However, if there are more than three cards to your name, it may not look good to a lender when they pull your credit bureau report.
Always read the fine print to see if there’s an annual fee before accepting an exclusive credit card that offers rewards or perks.Annual fees for black or platinum cards can range from $100 to $1000 depending on how exclusive they are. If you don’t care about exclusivity, find a card with no annual fee and don’t waste your money on the premium card’s steep annual fees.
Never use passwords or pin code for your credit card that are easy for people to figure out. Using something like your initials, middle name or birth date can be a costly mistake, as it is not difficult for others to find out that information.
Watch out for changes to the terms and conditions on your credit card accounts carefully. It is not uncommon for companies to change credit terms very often.Make sure you review all changes so that you know how they may impact your finances.
Do not make credit card purchases on a public computer. Only use your own computer.
Have a list you keep of your credit card accounts by number as well as the lender’s emergency phone numbers. Put it in a secure location like a safe box at a bank, in a place that is separate from where you keep your bank cards. The list will prove invaluable if you lose your cards or stolen card.
Contact your credit card provider and ask if they are willing to lower your interest rates. Some issuers will reduce interest rates if their credit relationship is in good standing. It may save you a lot of money and there is no cost to asking for it.
You do not want to avoid switching to other accounts unless it is absolutely necessary. The length of time that your history with a creditor is one factor in your credit score. Keeping accounts open can have a good credit score.
Review each of your credit card statements closely. Report any discrepancies to the credit card company as soon as possible. This helps protect you from paying more than you really owe and it is possible that it might help your credit.
Be weary if you’re receiving unsolicited messages that ask for your credit card number. There are tons of scams designed to gather credit card information from unsuspecting consumers. Be smart and protect your card number.
Only carry the credit card that you need that day. You could own six cards or more, but think about which cards you use often. These cards typically include a gas card and daily charge cards. Keep only these on you and have the rest in a safe spot in your house.
Close card accounts that you are not using anymore. You risk identity theft if you choose to keep them open. You may end up having to pay annual fees that would simply be a waste.
Always examine the small print before applying for any secured credit card.
Bank cards can help you, if you understand how to use them wisely. The ideas in this piece have, hopefully, provided you with sufficient understanding to use charge cards regularly, but in a way that will not harm your financial future.
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