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Credit Card Information
Credit cards can be a great financial tool, if they are used wisely. But they also can quickly get you into financial trouble if used carelessly.
There are many mistaken beliefs surrounding the credit card industry, and credit cards’ affect on credit scores. Consumers should be aware of which factors to consider when transferring balances or closing a credit card account, the fundamentals of finance charges and what to think about when choosing a credit card. Let this column be your resource for credit card information on a multitude of topics.
Get answers to your questions about credit cards, including the effect on your credit scores if you transfer balances, how to recover from joint credit card debt and where to begin paying off your credit cards.
- An authorized user’s credit history does not affect your credit report
- Authorized user account impeding son’s home purchase
- Being removed from an account after cosigning
- Borrowed credit cards cause lost friendship
- Choosing the right card and what happens to credit scores if you are declined
- Closing account when credit card company changes terms
- Closing accounts, applying for credit probably won’t help credit scores
- Closing an account does not cause the history to be deleted
- Credit card denied despite good credit history
- Credit score changes may affect authorized users
- Deciding when to close credit cards with zero balance
- Finance charges and minimum credit card payments
- Getting more credit cards to help credit scores
- Is it worse for you or your lender to close an account?
- Opening retail account can save money during the holiday season
- Prepaid credit cards and credit scores
- Sharing the security code on your credit card
- Should you sign your credit card or put “See ID”
- The color of the credit card doesn’t affect credit scores
- There is no limit on the number of credit cards you can have
- Transferring balances might lower credit scores
- Using checks from your credit card company
- Using one credit card for all purchases can be a smart financial strategy
- Using secured credit cards to improve credit history
- Yes, the ultra rich do use credit and do have credit reports
- You must notify the lender to close a credit card account