Linda Sherry
Linda Sherry
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We see a shift in the industry toward cards that give something back, because industry research shows that reward cardholders make more purchases, tend to use their rewards cards exclusively and are less likely to jump ship for lower-rate cards.
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These plans can be a hassle to use. You have to dial seven digits before the number you wish to call for a total of 18 numbers.
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It's very tough if you have no English or very limited English to get through that Web site.
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They can be tempting but they have very, very high interest rates, ... you pay as you go.
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They'll let you know if somebody opens credit, so you can go out, backtrack, alert law enforcement authorities...
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To me, having a good card with a low rate that doesn't zap you with late fees is a better way to go than all of the gimmick cards.
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Even if you lose, the message will start to be heard.
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Be prepared for some runaround when trying to find out the fees for foreign transactions. A lot of representatives don't have a clue, so you have to be persistent.
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You may have to contact the issuer two or three times, but keep plugging away until your credit report shows that the card has been closed.
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Everybody knew this was coming. Nobody knew how banks would follow it.
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You might also want to unlink your debit card from accounts that you won't need access to before you go, since a thief could do a lot of damage.
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You may not realize it, but paying your mortgage late could trigger a penalty rate on your credit card,
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One seemingly small mistake - that most people don't think of as anything - can have ramifications far beyond what seems legal to most people. But it is legal.
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More and more companies are unwilling to promise a rate until they've checked your credit.