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Hidden Credit Card Fees, from NBC Learn

https://archivesbb.nbclearn.com/portal/site/BbHigherEd/flatview?cuecard=42884

One way to Stop Credit Fraud

https://archivesbb.nbclearn.com/portal/site/BbHigherEd/searchBrought

How to Maintain a Good Credit Score, NBC Learn

https://archivesbb.nbclearn.com/portal/site/BbHigherEd/search

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According to the video, you have to pay your credit card payments on time and never late. This leads to having a bad credit score and while having bad credit, you can affect future mortgages and it can even have an affect of jobs.

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Having a credit card can give you the impression that you have money to spend, and this leads to some people buying things that they want. If you want to stay away from credit issues only purchase things that you need instead of the things that you want.

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When you receive your credit report you should always look over to check for errors. People will common first and last names can end up having another persons information on their report. So always review your information carefully.

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Some banks offer secured credit cards to people with a poor credit history or no credit history at all. Secured cards can be the best option for your first credit card. The card is “secured” with a cash balance, a savings account, for example. You cannot touch this balance, or the card will be deactivated. This is a safe way and easy way to start gaining good credit and still maintain a credit card.

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In competing for users, credit card companies use rebates as incentive. However, users are taking advantage of this to where companies start to lose money through the rebates they offer. This makes some companies start to charge extra fees and others to go out of business.

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According the NBC Video titled Hidden Credit card Fees, the hostess states that there is something like 7 thousand different credit card companies out there which are all competing for users. However there are a top 3 or 4 that regulate around 75% of the credit card market.

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Make sure to pay your card payment in full, because if not the company will give you a late fee or even increase your interest. People that pay credit card payments in full upset the companies’ because that it not profitable for them, but this is alot better for the user to prevent these fees or cummulative debt.

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1-8888-5-optout is the number to call when you want to stop the credit card applications from being sent to your house. This way you want have to deal with shredding any applications and you just have to worry about you personal info and things you keep around the house locked up. Like social security, credit card numbers, and security numbers.

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Get rigorous when monitoring your credit card files. Some of the people that are committing the fraud are actually people you know the best because they can look through your files or even your trash. Once they find your personal information it is very easy for them to steal your card number and your identy.

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When getting credit card applications in the mail make sure that you shred them up if not wanted. The reason for this is because when you just rip them up a couple times with your hands then thrown away, they are available for fraud by people digging in the trash. They can tape the application back up fill it out and send it back in.

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Important facts to know about credit cards!