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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]

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SOURCE CreditHelpCards.com

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