Tips For Safely Using A Credit Card
1. at the time of the submission of a new application
* Please do not ever ask a credit card through an agent (as many in the mall the Mall, restaurant and supermarket) although they use particular bank facilities, still they are not employees of the bank but employees of the partner company is teaming up with certain banks.
* If you want to create a credit card reached to come straight to the Bank/financial institution, credit card issuer to card center Division (credit card) or at least to a branch of the bank.
* Don’t just look at the annual dues are only free for the first year, so next year’s card and find again closed its free annual dues again. Here are very prone to data leak to others.Because we do not know the persons of an institution that is misbehaving.
* Credit limit is reached a maximum of 1/2 of my Take Home Pay us ( ideal loan is 1/3 of our earnings), if too high have come down only, rather than the hard limit of pay.
2. at the time already had a credit card
* Aim has always been to pay the entire Bill is paid off before maturity, so you avoid the costs and interest is high enough
* Credit card interest Rate is always above other loan interest due to credit card lending without collateral, is usually a percentage rate is monthly, so you must multiply by 12 to find out the rate yearly
* Credit card interest Calculations are from the US or making a cash transaction has been running the flower, but if we pay in full (Full Payment) before the due date then we waived flowers.
* Never inform the data contained in our credit cards to others, including the brother of a close, good card number, validity period, the name printed on the card, and so on. Be wary of marketing via phone (Telemarketing) which says as though from the Bank card issuer and any cooperation with them either insurance, hotel, club, remember only tricks them, and don’t ever give out your card number to them!!! as well as data from other data including the issuing Bank cards.
* Organized at the time of checkout, swipe swipe card in front of us, common especially in the restaurant card to the cashier first brought us their new string without our presence, now it is on to avoid as much as possible. String always before us.
* Never ordering goods via the internet by mentioning our credit card. Avoid spending way more so when this model transactions in the Cafe and in the company that are not reliable (no debonaire)
* Always Check your credit card, when it is lost immediately report to the Bank card issuer to avoid abuse.
* Do not behave consumerist, felt had a credit card could just settle in and remember you still have to pay bills, do not incriminate yourself
* Have a credit card these days is not a luxury and prestige, so do not need to have a credit card line up, my advice is pretty 1 of visas and 1 more from Master Card with two different publishers, which give the benefit of the most plentiful and good. For example in the supermarket a few percent discount, discount dining umpteen percent.