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Talk to your credit card issuer if you have questions. The credit card business is very competitive, making customer service a top priority. |
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Order a copy of your free credit report annually. Your credit report evaluates your performance as a borrower and needs to be accurate. To obtain a free copy of your credit report from the Federal Trade Commission, visit www.annualcreditreport.com. |
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G |
Go to your local bank or call your credit card issuer if you are having trouble repaying a loan. Often they can work with you to establish a more manageable payment plan. |
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E |
Evaluate varying credit card offers. Choose the card that offers the right features for you. |
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Take time to shred important documents, including medical records, financial records and credit card offers. Identity thieves can use the information on those documents to open new lines of credit in your name. |
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Save for emergencies. Experts recommend having three months salary in reserve, but as little as $500 will help cover common emergencies instead of depending on credit cards. |
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M |
M Make sure that you pay your credit card bill on time each month. Avoid making only the minimum payment. |
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Access your account online to monitor and compare charges with receipts. Regular review of your accounts helps protect you from unauthorized charges. |
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Read your credit card aggreement carefully. Understand what your finance charge and Annual Percentage Rate are and when your grace period expires. |
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Think seriously when it comes to your credit. A positive credit report can open doors, while a negativeone can close them. It's than simple and that important. |
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