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10 Tips for Avoiding ID Theft and Credit Fraud
10 Tips for AVOIDING ID THEFT AND CREDIT FRAUD Article excerpted from the new book, “How to Do Space Age Work with a Stone Age Brain” TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer Extraordinaire Each year billions of dollars...
Credit card transfers
Be careful who you trust with your credit card transfers. Credit card fraud happens on a regular basis now, for which reason you should be very careful how you use your credit card information. You should be very careful whenever you do a credit...
Establishing Credit, the Great Task
"How do I establish credit, when I don't have a credit history"?
This is probably the most commonly asked question by most
consumers looking to open a credit account. Not having credit
can be just as difficult as having bad credit unless you...
Major credit cards
Credit cards have been used for the last fifty years, but there are major credit card companies that have led the way. American Express, Diners Club, Visa, and MasterCard were the initial major credit cards, going nation-wide in the 1960's. The...
Preventing Identity Theft And Credit Card Fraud: How To Protect Your Credit Information
According to a recent poll by Experian, one in five Americans has reported they have experienced some form of identity theft. If it happens to you, and your identity is stolen, you might be in for a lengthy hassle that could cost you your credit...
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Credit Card FAQs
What are credit cards?
Credit cards let you pay later for any purchase you make. In case of any sort of emergency or urgent situation, when you may not have cash to make payments, credit cards can be helpful. Credit cards are commonly used to get fuel for cars or buying products in a grocery store. You receive a statement at the end of each month. The statement tells you of the expenditures you have done using your credit card. It also mentions minimum balance, due date, fees, etc.
What is an additional cardholder?
An additional cardholder may be anyone from your family, aged above 18. He will also be issued a credit card. You can contact your credit card company if you wish to have an additional cardholder.
What is a balance transfer?
Balance transfer means the transferring of outstanding balances of credit cards from your current credit card company to another.
What should be done on losing a credit card?
If you happen to lose your credit card, you should inform the your bank as soon as possible, as there can be chances that some one may use your credit card and you end up paying for that too. Once you notify the bank, they at once cancel your credit card and issue you another credit card.
What is an APR?
APR, or Annual
Percentage Rate, is just a way of calculating cost of credit, measured as a yearly rate. You must know the APR that would be levied on your credit card before you decide to have one. All credit card companies have varying APRs. You have to see the one that suits you the best.
What is the way to choose a credit card?
This purely depends on your needs and situation. If you would be paying full bills then you need to take a credit card with a low annual fee and other charges. On the other hand, if you want to have a cash advance feature, you need to choose a credit card company with low APR. If you have any doubts and questions, always feel free to call up the credit card company.
What is the credit card grace period?
Credit card grace period is the period in which you can pay your credit card bills before the due date and avoid finance charges. You should be aware of the grace period in order to avoid any sort of finance charges.
About the Author
Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/
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