Credit Card Tips and Secrets

The science of holding a credit card requires being in the know. Review your exiting credit card statement to see what rate and terms your card has now. Learn as much as you can about your own credit, credit cards features and interest rates. Rewards cards, cash back and zero intro rates are some of the credit card deals that may be available.

Shop for Best Credit Card Deals

Shopping for a better or lower interest rate credit card can be done without allowing the bank to run your credit report and create an inquiry.  Shop before you apply.  Compare our featured cards rates and terms with other banks offerings. We feel we feature some of the most competitive credit cards in the country.

Credit Card Secrets

You can negotiate with your existing credit card issuer for a lower rate. Call customer service and ask for their best rate, especially if you’re responsible about the amount of use and make your payments on time.
Shop around for the credit card that best fits your needs; low annual fee if you pay in full, low interest rate if you carry a balance.
Make sure you understand a credit card’s terms before you accept the credit card.
Pay bills promptly to keep finance and other charges to a minimum.
If you pay late your APR can be raised!

Don’t get Ripped Off using your card

Hold on to receipts to reconcile charges when your credit card bill arrives.
Protect your cards and account numbers to prevent unauthorized use.
Draw a line through blank spaces on charge slips so the amount can’t be changed.
Tear up carbons. (ok this one is kind of old , but you could make sure the receipt you get matches the one you sign.)
Keep a record, in a safe place separate from your cards, of your account numbers, expiration dates, phone numbers of each issuer to report a loss quickly.
Carry only the credit cards you think you’ll use.