Mirsad Hasic asked:




Almost everyone has at least one credit card these days. It has been becoming a need rather than merely a lifestyle. However, do they really know how to use their cards wisely? This is still in doubt. They will surely know how to spend the cards until reaching the limit. They also know how to use it for shipping and the payment made afterward. Most people commonly understand this knowledge already. Unfortunately, most people still do not know how to have sufficient protection over their cards.

Before you use any of your cards, you need to understand that you are going to borrow some amount of money from the credit card supplier. Once you make a payment with your card, you will need to pay the amount back within a particular period. Otherwise, you will need to pay the interest of the borrowed amount as well as some other fees. Therefore, you must be aware on how much you afford for the payment. It is a crucial thing that you need to pay attention, because it is related to your credit rating.

You should avoid any bad credit rating because it can give impact to other field. If your credit rating is bad, you might experience a mortgage application rejection, loan rejection and even job application rejection. Therefore, you need to be wise in using your cards so that your rating is good. One tip here is to avoid over 75% debt on your card limit. It is to protect you from over debt as well as to maintain a good credit rating.

There are so many credit cards fraud currently that you really need to have a good protection over your cards. You can follow some basic precautions here. You may start from the given PIN provided by the card companies. You will receive this PIN soon after you get the card. You can change the PIN afterward and keep it safe for yourself. It is also important to put your signature on the back part of your card so that other people will not claim it as theirs.

Further to following the instruction on the security procedures, it is also important to know all other instructions so that you can get all benefits available from your cards. The benefits will generally include discounts on particular purchases, car rentals, travel and so many others. Moreover, there is also a cash back option for the reward program. If you travel frequently, you can get benefits from the cards, such as travel insurance and protection over you baggage. Besides that, it is also possible to get some joining benefits from the suppliers of your cards. Most often, you will get some discount vouchers.

You also need to have a clear picture of your cards’ fees and commission charges. Mostly, the cards will include the annual fees and interest rate. You can find some credit card suppliers who will free you from any annual fees under certain requirements. Furthermore, your credit cards may also offer some services in which they will charge some amount of commission, for example cash withdrawal and foreign exchange transaction. You can get complete information in the instruction booklet that is sent along with the credit card.

The suppliers of credit cards generally develop various offers from year to year. They will inform these new products to their cardholders through e-mail or monthly billing statement. Therefore, you need to keep posted on the offers. It is possible that you might find something interesting.

Every time you use your credit cards, you will generally earn some points. You can accumulate these points as your rewards. When you have enough points, you are able to exchange your earned points for some gifts. Different credit card suppliers might offer different rewards program. They will state all the requirements as well as the rewards gifts in the catalogue. You will receive this catalogue as a reference when you become the cardholder.

You need to study all the requirements and terms of your credit cards applications carefully. By doing so, you are able to get all the possible benefits from you credit cards.

Shirley

Cashmere5125256 asked:

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Paul

mriwow asked:

www.visa.iwow.us Apply today for the world’s most prestigious credit card http Want to see more Sylvia?

Roy

akypel56 asked:

www.GiveMeZero.com – When I need a credit card, here is how I find and evaluate credit card offers. If you are looking for 0% APR Credit Card offers, you MUST watch this video.

Harry

Think. asked:


I applied for a savings account with HSBC and was turned down because I have no credit.

I guess what I’m asking is how I can get and use a credit card with no bank account.

Also, how can I build credit without trapping myself in a bad credit score?

Thanks

Arthur

gbekommen asked:


I have been “approved” for a credit card I applied for, but according to the approval letter, the issuing bank requires a photocopy of all 3 of the above items before my account can be opened. Additionally, a deadline of about 3 weeks is imposed. Is this legitimate? The letter says this is required by federal law. It seems like either a reasonable way to prevent fraudulent accounts, or just a clever scam. The credit card and circumstances of application otherwise seem reputable.

Darlene

Over The Rainbow asked:


and why? What are the basic terms or your card…name and city, state of orgin, % interest, annual fees, application fee. I am most interested in one to rebuild credit.

Andrea

aj lewis asked:


Hey guys… thought I’d ask this here, I got a credit card about two years ago and just about four months ago I hit a financial road block and have been unable to make much payments. They sent me to collections recently and they have (collection agency), understandably, been calling a lot, however I explained my situation many times but they do not stop calling.

Just recently they have been calling my girlfriend’s house and I am not sure HOW they got her number. Her number is not listed which is even weirder. They call once every two weeks or so though. I did not put it on my card application because I was not with her at the time.

Do you know how this collection agency coulda got her number? And how I could get them to stop calling there?

June

italymanru asked:


I was applying for cards and to be honest I don’t even remember filling out the application for this account. But I received a Chase business account card and approved for $10,000 on it. I activated it and have been using it since. My question is, does it matter that I do not have a business and only using it as a personal account? Am I going to be assumed to report a business during tax season? I got this card but I can’t even get a capitol one card. Someone please help me out here. Thanks!

Jessica

brinnasmith18 asked:


Im trying to establish my credit now but this is my first time applying for credit. I’ve never owned a credit card before. Everyone I apply to is declining my application due to the fact I have no credit history. Can anyone give me some suggestions on who I can look to to apply for a credit card, who accepts applications for people new to credit???

Rose