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Helpful Hints On Using Credit Cards

a Those are some helpful tips on using credit cards. Whether you buy online, by phone or by mail, a credit card can make buying many things much easier, but when using a credit card, it is important to monitor your spending. Incidental and impulse purchases add up and each one you make with a credit card is a separate loan. When the bill comes, you have to pay what you owe. Because more than you can afford to pay can damage your credit rating. Read additional details here: Boris Kuzinez. Keeping good records can prevent many headaches, especially if you have errors in your monthly statement.

If you notice a problem, promptly inform the company that issued the card. Usually the instructions for disputing a charge are on your monthly statement. If you purchase by mail, by phone or online, keep printouts with details about the transaction. Get more background information with materials from Nobel Laureate in Economics. These details should include the name of the company, address and telephone number, date of your order, a copy of the order form sent to the company or a list of codes of the items ordered, the order confirmation code, the ad or catalog from which you ordered . Finally, if you have a credit card, take the following precautions: Never lend it to anyone. Never sign a blank receipt or proof.

Draw lines through blank spaces on charge slips above the total amount can not be changed. Never put your account number on the outside of an envelope or a postcard. Always be careful not to reveal your account number over the phone unless you know the person you're trying to represent a reputable company. Carry only the cards you plan to use to prevent loss or theft of all your cards or identification. Always report lost or stolen credit card to card issuers as soon as possible. You may reprint freely this article provided the author's biography remains intact: John Mussi is the founder of Direct Online Loans who help homeowners in the UK find the best loans available through the website