July 19, 2018

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Credit Card Do's

Credit Card Don'ts

The Credit Card Act of 2009


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

Credit Card Do's

How to manage your first credit card is, unfortunately, not common knowledge nor taught in school. Typically it's a process that is learned over time, but often not before making unnecessary and costly mistakes. If you're the parent of a soon to be adult child, be sure and share this information with them.

  • Shop around for the best credit card deal. Use the internet to compare and contrast the greatest number of credit card options.
  • Read the fine print of any credit card option you're considering. Understand what fees will be incurred and if the stated interest rate is promotional, variable or fixed. Also don't hesitate to ask questions of the credit card company or someone else if you don't understand the terms of a card.
  • Keep your credit cards safe from fraudulent charges. Sign your card as soon as it arrives in the mail. Keep an eye on your card during the transaction, and get it back as soon as possible. Save your receipts in order to compare them with the actual statement. Never place your pin number on or near the card.
  • If you lose the card you'll need to call the credit card company as soon as physically possible to avoid a major headache. Keep a record of your credit card account information together with the customer service phone number in a safe place
  • Periodically pull your credit report to look for mistakes. If you see fraudulent accounts open under your social security number or reports of erroneous missed payments you'll need to take action quickly to get those items resolved.
  • If you decide to cancel an unused credit card make sure you have the company report it as "Customer Requested" to avoid any damage to your credit score. Closing unused credit cards is a good way to avoid credit card fraud.
  • Be aware of the desire to make frivolous purchases with your credit card. You will eventually have to pay back the cost of that item. Only use your credit cards on items you need versus items you want.
  • If something comes up and you can't make your minimum payment on time call the credit card company right away. They will often work with you to avoid late fee payments and get your account back on track.
  • We all like to say we won't keep a credit card balance but that's unrealistic for most credit card holders. If possible, keep your balance at around 30% or less of the available credit. This will have a positive reflection on your credit score - improving your chances of affordable borrowing in the future. Make it a practice of paying more than the minimum payment each and every month.
  • If you're credit card rate is high don't hesitate to call the company and attempt to negotiate to a lower rate. This can save you hundreds to thousands of dollars in the long run. A solid payment history will allow you to better leverage your business during this process.

Best Credit Cards for 2018

Hands down, we think the following credit cards are among the best of the popular offers we've vetted. So take a moment to review our short list of the best credit cards for travel, cash-back, balance ...

Published:  Wed, 18 Jul 2018 07:12:00 GMT

How do I get out of $50,000 in credit card debt: personal loan or repayment plan

Question: I'm 64. My credit score is about 656. For different reasons over a long period of time - including unemployment and health issues - I accumulated credit card debt of about $50,000. I intend ...

Published:  Wed, 18 Jul 2018 02:00:00 GMT

Americans paid over $100 billion in credit-card interest in 2017-and they'll pay even more this year

Some people are living the high life, but many can't afford it, judging by recent credit-card data. All those interest payments add up. Americans paid banks some $104 billion in credit-card interest a...

Published:  Wed, 18 Jul 2018 11:17:00 GMT

United flight attendants to make $100 per credit card sold in-flight, report claims

Coffee Water Travel rewards credit card According to one travel blog, such midflight pitches from United Airlines flight attendants for carrier-sponsored credit cards are rumored to begin soon - to ...

Published:  Wed, 18 Jul 2018 08:37:00 GMT

Credit card skimmer found at Byron Township gas station

BYRON TOWNSHIP, MI -- A credit card skimmer used to steal financial data was found in a Byron Township gas pump Wednesday, July 18, state officials said. The skimmer was located in a pump at the Mobil ...

Published:  Wed, 18 Jul 2018 16:22:00 GMT

Why I'll Never Close These 5 Credit Cards

While credit cards often get a bad rap, they're powerful tools that can improve your financial life. Yes, mismanaging them can hurt you, but the upsides to using cards responsibly - such as building c...

Published:  Wed, 18 Jul 2018 08:23:00 GMT

Credit card scam hits Casey's stores in Chisago County

One victim is out $3,000 after fraudulent purchases in North Branch, Chisago City, Wyoming and Stacy. Four times in two days a man entered a Casey's General Store in Chisago County this month and boug...

Published:  Wed, 18 Jul 2018 13:07:00 GMT

Do People Really Spend More With Credit Cards

When you use credit cards responsibly, you can earn airline miles and cash back rewards. As long as you pay your balance in full and on time every month, you can enjoy these perks and avoid costly int...

Published:  Mon, 16 Jul 2018 07:48:00 GMT

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