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Common Credit Card Terms and What They Mean
When shopping around for a credit card, it is very important to
understand the terms and fees that each card offers in order to
make an informed decision regarding the best credit card for
you. Because these terms affect your overall cost, it...
Entrepreneurs (or Anybody Else): If You Must Use Credit Cards, Practice "Safe Swiping"
"But Everybody's Doing It"
Are you familiar with that plea some children make in an attempt to get what they want based on the behavior of their peers: "But everybody's doing it"? Should you, as a business founder or one who wants to be, use...
Going Mobile (Part 2): How to Get In on the Wireless Revolution -- Without Credit Checks or 2-Year Commitments
This article may be used freely on your website as long as it remains intact, including author byline and resource box and links. We would appreciate it if you would notify us when it is used: Going Mobile (Part 2): How to Get In on the Wireless ...
Protecting Your Credit During Divorce
Q: My spouse and I are divorcing, and share a number of joint credit accounts. In deciding how to deal with these accounts, we've discussed his paying at least some of them off as part of our settlement agreement since he earns more than I do....
The Truth about Bad Credit Loan Mortgage
With the concept of vanity, many people are now despising the
fact that whatever is beautiful are the only ones that are
accepted in the community. Hence, they uphold the rights of
equality and contend that life will never be balance without...
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Why Does A Credit Card Expire And How Do You Renew It?
Besides the long string of numbers that identify your account, there is a short little series of numbers that makes up your card's expiration date. Most of us don't even pay any attention to that date, but you can bet that the credit card approval network knows exactly when your card expires, and for good reason. Actually, there are several reasons, so let's take a look.
Top Reasons Why a Credit Card Has an Expiration Date
One of the most simple and uncomplicated reasons the credit card will expire is that the magnetic strip will not last forever. Although the plastic card itself is virtually indestructible, the magnetic strip is a little touchier and will eventually wear out. When that happens your card will no longer be readable by credit card terminals and ATMs.
Some institutions use an expiration date as a way of reconnecting with the cardholder. It gives the company and the user the opportunity to get together and discuss any issues or complaints that the customer may have. It also allows the card company to appear to care about you as a customer. They will send you a friendly reminder, kindly offering you the chance to renew with your same comfortable company. With all the competition out there, comfort and history can go a long way in keeping customers.
Cardholder security is another reason. This allows the company to check up on you and make sure you are who you say you are and nothing has changed. With identity theft being what it is today, this is a good thing. Some people have had credit cards opened in their names without their knowledge and
charges have been made. If the card expires, the company will contact you and possibly warn you about current fraud trends.
The company may use the expiration date as a way to remind you they are there. For people who don't use their cards very often, this can be a gentle reminder of just what's in their wallet and, hopefully, remind you to use it.
Nearing The Expiration Date
It is actually quite easy to renew your card. About a month before your current card actually expires, a new one will suddenly appear in the mail to replace your expired one. This is great if you're in town. If you are going to be traveling, check your card before you go. If it will expire before you get back, call ahead and get your new one before you leave.
Once you have your new card, read the material that came with it. This may very well include a list of new and improved terms. If you find these terms to be new, but not improved, contact the card company. Do not use the card until you have received verification that the terms have been changed to your approval. If they refuse, you can always cancel the card. Trust me, it won't take long to find a replacement. About the Author
Keith Baxter made it his mission after college to educate as many people as possible to the advantages and disadvantages of credit through a widespread re-education initiative. You can find out more about Keith and what he's up to at http://www.credit-card-debt-consolidation.net.
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Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
www.credit.com |
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Equifax Personal Solutions: Credit Reports, Credit Scores ... |
National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
www.equifax.com |
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The FTC's web site on Credit |
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
www.ftc.gov |
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Federal Trade Commission - Consumer Credit Center |
Features an assortment of helpful articles related to credit issues. |
www.ftc.gov |
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AnnualCreditReport |
Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
www.annualcreditreport.com |
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Springboard - Non-Profit Consumer Credit Management |
Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ... |
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myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ... |
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Credit Suisse Global |
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Experian: Free Credit Report and Credit Score, Credit Check ... |
Credit referencing and consumer targeting for the USA and other countries. |
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National Credit Union Administration - Home Page |
An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
www.ncua.gov |
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Credit - Wikipedia, the free encyclopedia |
Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
en.wikipedia.org |
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Credit (finance) - Wikipedia, the free encyclopedia |
Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
en.wikipedia.org |
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The National Foundation for Credit Counseling |
DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
www.nfcc.org |
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FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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Compare credit cards | apply for a credit card | 0% balance ... |
Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
www.moneysupermarket.com |
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Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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The Credit Card Prank |
In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
www.zug.com |
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Credit magazine, corporate bonds, derivatives, structured credit ... |
Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
www.creditmag.com |
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CUNA: The Credit Union National Association |
News and resource directory about credit unions. |
www.cuna.org |
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Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
credit.about.com |
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