Welcome!

News Feed Item

Credit Help Cards Announces Top 10 Credit Card Tips For 2014

It's a new year and time to make some changes for the better. If you're like most Americans, you're carrying at least some credit card debt. While you cannot go back in time and resist the urge to charge, you can make changes now to bring down the balance

GREENVILLE, S.C., March 1, 2014 /PRNewswire-iReach/ -- #1. Make sure you're protected

(Photo: http://photos.prnewswire.com/prnh/20140301/MN73623)

Avoid problems with theft by getting cards that are protected with anti-skimming features. This includes cards with chips and microprocessors that are more secure than the simple magnetic strip featured on most cards. Virtual cards uploaded to smartphones are also safer because there's no swiping involved in a transaction.

#2. Ask for fraud protectionProtect yourself by learning about the fraud protections. The maximum liability for a lost or stolen card is $50 as written in the Fair Credit Billing Act. If your data is compromised while you still have the card, then the losses are zero. However, these protections are not in place if you lose a debit card.

#3. Make double payments

As you pay more frequently, you cause your daily balance to fall faster. This lowers your interest rate and leads to a faster payoff. With online banking bill pay options, it's an easy change to make, and it will also help boost your credit score.

#4. Understand how the corporate card worksIf you have a corporate card, make sure you learn about the policies. If the company is the only name on the card, then they will be held accountable for any late payments. However, the rules are different if it's a joint card with your Social Security number attached to it. In this case, you can be held responsible for missed payments and late fees. Additionally, any balance and payment information will appear on your credit, and that can harm your credit score.

#5. Don't fall for cash back

Cash back sounds great, but it's not the deal you think it is. The interest on purchases quickly offsets any benefit from cash back programs. The only way cash back is a great plan is if you're paying off the balance every single month.

#6. Protect the credit score to maintain high limitsLimits are based on your score. Companies periodically review your payment history and credit scores to see if they can increase your credit line. Avoid dropping limits and other problems by maintaining a healthy score. Accomplish this by paying bills on time and keeping your balances low.

#7. Empty out the wallet

There's no reason to carry cards you don't use regularly. If you're in a store and decide to make a purchase, they can look up your store credit card. When it comes to the major credit cards, choose one to carry with you and leave the rest at home. This helps you resist the urge to charge and reduces the risk of lost or stolen cards. Store credit cards you never use should be closed down and eliminated.

#8. Know your rights You have the right to dispute fraudulent charges, and you can also use dispute power to deal with a retailer that's not willing to give you a refund. You can dispute any purchased made by credit card within 100 miles of your billing address.

#9. Reconsider the car rental insurance

When you rent a car on your credit card, you may automatically get insurance. Be sure to read the fine print ahead of time because some luxury cars, moving vans and other vehicles aren't covered. There may also be other restrictions you should be aware of.

#10. Have an authorized userWhen you add an authorized user to your credit card, the account history from that card will populate the user's credit history. This allows you to easily help your kids build a positive credit history without getting them their own card. You can also end the financial agreement at any time, and that makes it easy to rein in spending if the user isn't making good choices.

About CreditHelpCards.com

Credit Help Cards is the leading credit card finance provider in USA fully dedicated to help its customers acquire an unsecured credit card regardless of credit history. They design and develop customized no credit credit cards, bad credit credit cards, and good credit credit cards. Voted the best for "Quality Customer Service; Best National Credit Cards Service" by thousands of people, their finance experts focus in providing its customers information and various tools available for different credit card offers, help them to choose the best that fits their goals and needs.

Media Contact: David Anderson, CreditHelpCards.com, 3159082274, [email protected]

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE CreditHelpCards.com

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Latest Stories
SYS-CON Events announced today that Secure Channels will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. The bedrock of Secure Channels Technology is a uniquely modified and enhanced process based on superencipherment. Superencipherment is the process of encrypting an already encrypted message one or more times, either using the same or a different algorithm.
Vidyo, Inc., has joined the Alliance for Open Media. The Alliance for Open Media is a non-profit organization working to define and develop media technologies that address the need for an open standard for video compression and delivery over the web. As a member of the Alliance, Vidyo will collaborate with industry leaders in pursuit of an open and royalty-free AOMedia Video codec, AV1. Vidyo’s contributions to the organization will bring to bear its long history of expertise in codec technolo...
Traditional on-premises data centers have long been the domain of modern data platforms like Apache Hadoop, meaning companies who build their business on public cloud were challenged to run Big Data processing and analytics at scale. But recent advancements in Hadoop performance, security, and most importantly cloud-native integrations, are giving organizations the ability to truly gain value from all their data. In his session at 19th Cloud Expo, David Tishgart, Director of Product Marketing ...
SYS-CON Events announced today that Bsquare has been named “Silver Sponsor” of SYS-CON's @ThingsExpo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. For more than two decades, Bsquare has helped its customers extract business value from a broad array of physical assets by making them intelligent, connecting them, and using the data they generate to optimize business processes.
If you’re responsible for an application that depends on the data or functionality of various IoT endpoints – either sensors or devices – your brand reputation depends on the security, reliability, and compliance of its many integrated parts. If your application fails to deliver the expected business results, your customers and partners won't care if that failure stems from the code you developed or from a component that you integrated. What can you do to ensure that the endpoints work as expect...
In his keynote at 18th Cloud Expo, Andrew Keys, Co-Founder of ConsenSys Enterprise, provided an overview of the evolution of the Internet and the Database and the future of their combination – the Blockchain. Andrew Keys is Co-Founder of ConsenSys Enterprise. He comes to ConsenSys Enterprise with capital markets, technology and entrepreneurial experience. Previously, he worked for UBS investment bank in equities analysis. Later, he was responsible for the creation and distribution of life sett...
Digitization is driving a fundamental change in society that is transforming the way businesses work with their customers, their supply chains and their people. Digital transformation leverages DevOps best practices, such as Agile Parallel Development, Continuous Delivery and Agile Operations to capitalize on opportunities and create competitive differentiation in the application economy. However, information security has been notably absent from the DevOps movement. Speed doesn’t have to negat...
The Transparent Cloud-computing Consortium (abbreviation: T-Cloud Consortium) will conduct research activities into changes in the computing model as a result of collaboration between "device" and "cloud" and the creation of new value and markets through organic data processing High speed and high quality networks, and dramatic improvements in computer processing capabilities, have greatly changed the nature of applications and made the storing and processing of data on the network commonplace.
SYS-CON Events announced today that ReadyTalk, a leading provider of online conferencing and webinar services, has been named Vendor Presentation Sponsor at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. ReadyTalk delivers audio and web conferencing services that inspire collaboration and enable the Future of Work for today’s increasingly digital and mobile workforce. By combining intuitive, innovative tec...
Your business relies on your applications and your employees to stay in business. Whether you develop apps or manage business critical apps that help fuel your business, what happens when users experience sluggish performance? You and all technical teams across the organization – application, network, operations, among others, as well as, those outside the organization, like ISPs and third-party providers – are called in to solve the problem.
Cognitive Computing is becoming the foundation for a new generation of solutions that have the potential to transform business. Unlike traditional approaches to building solutions, a cognitive computing approach allows the data to help determine the way applications are designed. This contrasts with conventional software development that begins with defining logic based on the current way a business operates. In her session at 18th Cloud Expo, Judith S. Hurwitz, President and CEO of Hurwitz & ...
The vision of a connected smart home is becoming reality with the application of integrated wireless technologies in devices and appliances. The use of standardized and TCP/IP networked wireless technologies in line-powered and battery operated sensors and controls has led to the adoption of radios in the 2.4GHz band, including Wi-Fi, BT/BLE and 802.15.4 applied ZigBee and Thread. This is driving the need for robust wireless coexistence for multiple radios to ensure throughput performance and th...
Enterprise IT has been in the era of Hybrid Cloud for some time now. But it seems most conversations about Hybrid are focused on integrating AWS, Microsoft Azure, or Google ECM into existing on-premises systems. Where is all the Private Cloud? What do technology providers need to do to make their offerings more compelling? How should enterprise IT executives and buyers define their focus, needs, and roadmap, and communicate that clearly to the providers?
SYS-CON Events announced today that Commvault, a global leader in enterprise data protection and information management, has been named “Bronze Sponsor” of SYS-CON's 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Commvault is a leading provider of data protection and information management solutions, helping companies worldwide activate their data to drive more value and business insight and to transform moder...
Much of the value of DevOps comes from a (renewed) focus on measurement, sharing, and continuous feedback loops. In increasingly complex DevOps workflows and environments, and especially in larger, regulated, or more crystallized organizations, these core concepts become even more critical. In his session at @DevOpsSummit at 18th Cloud Expo, Andi Mann, Chief Technology Advocate at Splunk, showed how, by focusing on 'metrics that matter,' you can provide objective, transparent, and meaningful f...