Category Archives: Credit Cards Blog

Tips For Using Credit Cards In The USA

We all fancy credit cards for one reason or the other. As a matter of fact there are some people who cannot do without credit cards, and for this reason it is important to try and look into some of the tips that can guide you towards the best and most effective usage of the cards.Tips For Using Credit Cards In The USA

Remember that there is a difference between tips and tricks and secrets. The credit card companies in the USA usually have a number of tricks up their sleeve that you might never know about, and eventually fall for, while there are some secrets that you can come to learn which will ensure that your usage is somewhat reasonable. Herein we give you some tips on how to make sure that you use your credit cards in the right way.

Did you know that you can get your annual fees dropped? Interestingly enough when it comes to credit lines most people are never aware of this. However, there is a catch to it. You will first have to make sure that you have good credit for you to take advantage of this. If you believe that you have good credit, simply call in and request for the fee to be removed, and you might be surprised with what happens next.

By the time you accept your credit cards from any banks in the USA and it is ready for collection, you must have at least signed up for it or signed somewhere. This is where most people again make a mistake. We end up signing for stuff that we never read. It is always advisable that you read the fine print before you sign anything. One of the things that most people do not notice when signing up for credit lines is that in the “universal default” section, failing to pay up on time on one of your cards will get your interest rates increased not just on that one card, but on the others that you have too. It is amazing how these companies get people especially with this rule, but at least now you are in the know.

Your payment due dates will always be at the discretion of the credit cards companies. This is also another important point to note. Never assume that your payment dates will always be the same. The companies usually change them at their discretion, so you have to be keen on this. In the event that you default on the payment date, the company will not only collect fees for late payment, but they will also raise your rates.

When you are looking for credit cards in the USA, you can always consider credit unions. The credit unions usually have some of the lowest rates and some even make sure that you have zero liability in the case of unauthorized charges.

There are some companies that can waive your late card fees. This is in the event that you have never been late on your payments since you started using the credit lines. However, you will only get this option available to you if you call in and ask for it.

Shawn Nejad

Tips On Being Safe With Credit Cards

Credit cards are great things to have. With credit cards you can buy things online, you can build your credit score up so that you can make large loans for items like cars, and homes, and you can buy items when you are short of cash. The only problem with credit cards is that you can quickly get too far in debt, or you can quickly become the target of an identity thief.


Limit the number of cards that you have so that you do not get overwhelmed. When your credit gets good enough that companies start to offer you their cards, the small monthly payments make them all tempting to own. The problem is that if something happens and you miss one of those small monthly payments you can quickly owe several hundred dollars per month on each of those accounts. Limit the number of accounts that you open.

Pay more than the minimum amount due on each account each month. This will help you to pay off the amount charged quicker, and will reduce the interest charges you accrue. You will not be as likely to allow an account to become delinquent if you pay more than the monthly amount suggested by the credit issuer.

Online purchases make life simpler, and you have to have credit cards, or debit cards, to make these purchases. The problem is that there is always someone who would like to steal your information and use it to make charges on your card, or to establish other cards. You have to be diligent to remain safe from predators like these.

Get a card with a small limit and use it as your online charge card. This will protect you from someone racking up thousands of dollars of charge account debt if they should manage to get your card information. These small cards can be used when you are making purchases from places that you have not done business with before.

Set up alerts with the credit issuing company. Many credit issuers would gladly establish an alert for your account. When these are established the issuing company will contact you if they notice a charge that is out of character for you. This could save you from identity theft, and it protects the company from charges that may not be paid for by the card holder.

Do not put your debit card number online unless it is a prepaid debit card. You do not want someone to have unauthorized access to your bank account information, so do not put your debit account information online. Use prepaid cards when you have to have these kinds of accounts to make purchases.

Look at your statements very carefully when you get them each month. You want to make certain that all of the charges that show up on your card were made by you. There are some criminals who are smart enough to only make a few charges on each of the accounts they get access to. Many people do not look closely at their statements and these small charges could quickly add up before the cardholder closes the account.

Credit cards are necessary for online purchases. Credit cards are a blessing, but you must be diligent to keep them from becoming a nightmare. You can get more information from credit lines.