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Shop around for the plan that best fits your needs. Make sure you understand a plan’s terms before you accept the card. Pay bills promptly to keep finance and other charges to a minimum. Hold on to receipts to reconcile charges when your 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. Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly. Carry only the cards you think you’ll use. Carefully read the description of the billing method the card company is using. Look for references that say you are being charged interest on a purchase made during a previous billing cycle. That interest has been accruing since the item was posted to your account. Looking for a better credit card? Check rates in your area.Are there laws capping credit card interest rates?guaranteed credit card approval with bad credit These used to be more prevalent than they are now. They have become much more common with ATM cards than with credit cards. The issuing bank or company actually charges a fee (usually about 50¢) for every transaction you make with their card. This is a particularly costly and unnecessary charge and one which must be looked for before a particular credit card account is accepted.Always be on the lookout for a better card deal. Study the offers that come in your mailbox. Search online. The Bankrate.com credit card search engine can help you locate the best deals from issuers from around the country.
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