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What Are Credit Card Rewards? Lastly, you want to make sure you keep up to date with the company's policies. It is not uncommon for some credit card companies to lower their rebate rates (or increase them from time to time) How To Use A Secured Credit Card Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month. What Are Credit Card Fees? They earn their money through two principle methods. One is through the finance charges that they levy when you make purchases on the card, and the other method is through the use of credit card fees When Not to Cancel Credit Cards If you are not planning a major loan activity and the balances on your old cards is zero, go ahead and close them out Using Your Credit Card: What Is Its Purpose? There is a wonderful feeling to having a credit card when you need one, but that blanket term "credit card" can be misleading at times Using your card: What is its purpose? In order to find out what the APR and other fees are for any particular company, you can visit their website or you can look at the information that comes to you through the mail Avoiding Credit Card Fraud If you have your card stolen or you think you have been the victim of credit card fraud, then you need to sort the problem out as quickly as possible Why Use Cash Advance Features? Another thing to remember with cash advances is that you usually cannot use all of your available credit for such purposes Why Use Cash Advance Features? Although credit cards are generally used for purchasing goods in shops and online, they can also provide you with the same services as an ATM Benefits And Drawbacks Of A Variable Rate Card Of course, whether you get a variable rate card or fixed rate card is irrelevant if you pay your balance off in full each month, because you won’t be paying interest Where Can You Get A Credit Card? One of the newest suppliers of credit cards are supermarkets. Due to their massive presence in towns and cities, supermarkets are branching out into financial service products such as credit cards When Do You Really Need Credit Cards? Although credit cards can cause debt and other problems, for most people they are a necessity for everyday life, and are required for them to live their life properly Using Credit Cards And E-commerce On Your Web Site The easiest and quickest method to use is generally a third party merchant, as they can be set up in a few minutes and have very little or no signup costs Using Commercial Cards In Your Business Although credit cards are the most common commercial cards, there are other cards available. Charge cards for business purposes are similar to regular charge cards How To Avoid Online Credit Card Fraud It is important to remember that as well as being safe online, you should make sure your computer itself is safe Keep Safe When Using Your Credit Card Online Although HTTPS is not completely safe, it is much safer than using a site without HTTPS. If you are entering financial information of any sort, make sure that the site is using HTTPS How To Avoid Online Credit Card Fraud If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud Virtual Credit Cards: A Guide Although virtual credit cards are limited in their scope, if you regularly purchase items online then they are a more secure way of shopping Ins And Outs Of Credit Card Pre-Approval The only way to really stop yourself being caught out by these offers is to read the small print carefully if you are thinking of applying Stopping Credit Card Identity Theft Although identity theft can be a big problem, if you can prove that you did not buy any items or give up your information, then your card issuer should be able to refund all or part of the money that was taken How To Avoid Sneaky Card Charges Although your card might have low APR and a nice credit limit, if you don’t stick to making your payments on time then you could end up paying huge amounts in penalty fees How To Add An Additional Card Holder The advantages of adding a cardholder are that you can reduce the number of accounts that you and the additional cardholder have, making payments easier Fixed Rate Credit Cards Explained Although fixed cards have the benefit of keeping your repayments at the same rate over the years, they do have higher interest Choosing The Right Card Issuer Before looking for a card issuer, it is important to know what sort of card you want Avoiding Sub-Prime Borrower Cards If you are having problems finding a credit card that does not have extremely high fees and want some help, then consult an independent financial advisor for some advice Should You Pay An Annual Fee? If you have a credit card and pay an annual fee for the privilege, then perhaps you are paying too much for your card Understanding Grace Periods When choosing a card, you should look at the card’s grace period as well as its interest and fees How To Consolidate Credit Card Debt Consolidation is where you take all of your debts and combine them into one debt Tips On Adjusting Your Credit Limit Generally, you should always make sure that you have some spare credit for emergency purposes Benefits Of Low Introductory Rates There are many people who use introductory rates to their advantage by continually switching from one card to another in order to keep their payments low Credit Card Authorisation Advice Most of us use credit or debit cards regularly, and normally there are no problems verifying that these cards belong to us Store Cards: A Brief Guide Store cards are like credit cards, in that you are given a credit limit that you can spend on the card Using A Credit Card To Shop Online If you make a lot of purchases online, then you might want to think about getting a virtual credit card. This is just like a normal credit card, but all transactions and details are based online. How To Avoid Credit Card Fees Another fee that can cost you money is the credit card annual fee Using Your Credit Card Wisely Although credit cards can be an invaluable financial asset, unless you use them wisely you will find yourself drowning in debt When To Get A Secured Card A secured card is a card whereby you tie up a monetary deposit in a bank in order to get a credit card Things That A Credit Card Cannot Do For You Credit cards are one of the best financial tools you can have A Guide To Charge Cards Whether you have a credit card or not, it pays to know the alternatives to them The Ins And Outs Of Balance Transfers Perhaps the best way to use balance transfers to your advantage is to consolidate your credit card debts How To Deal With Credit Card Mail Offers Although most of these offers will not be worth looking at, you shouldn't simply throw them all in the bin Credit Cards For Teenagers People have to start their financial learning at some point in their lives Are You Ready For A Credit Card? Credit cards are becoming essential, so it pays to know how they work Is Payment Protection Worth It? If you have a credit card, then you will have been offered payment protection insurance to go with it How Best To Use A Credit Card Using a credit card can save money. Just be careful and do not fall into debt. Credit Cards For Students – The Pros And Cons If you are a student you will incur debt with limited opportunity to work whilst studying which means you will need to take out a credit card Avoiding Credit Card Scams Some credit card companies have some nasty surprises waiting for you in the small print. Read on to find out more. Which Type Of Credit Card To Choose? Due to financial constraints many of us are unable to get a credit card, so what are the alternatives? Your First Credit Card Follow these simple steps to get the credit card that suits your finances Watch Out For Hidden Dangers In Your Credit Card Although there are hidden dangers, if you are aware of them and use your card wisely then you will not incur hefty charges and will find your card extremely useful. Using Your Credit Card Abroad Losing or having your credit card stolen while on holiday can be traumatic. Follow these simple steps to keep safe. How To Cancel A Credit Card With identity theft on the increase it has never been as important as now to cancel a credit card you do not use

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