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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

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.

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