Credit and credit cards
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Credit and credit cards

A guide to understanding ...

 
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You probably receive letters in the mail and see the advertisements on TV for credit card promotions:

“0% Interest Rate!”
“No Payments until the Year 3000!”
“No Annual Fee!”

Then you see it – five pages of tiny print that might as well be in a different language. Most people don’t even attempt to muddle through the fine print, and the ones who do usually end up more confused. Credit card advertisements and agreements are filled with specialized terms and mathematical equations that the majority of people just blindly accept. You, however, now have us to help. After reading this guide, you will understand your credit, credit card agreements, and actions that you can take to improve and protect your credit.

Credit Bureaus
There are three major, national credit bureaus that collect and maintain credit information on you.

Credit Monitoring
Check your credit periodically for changes.

Credit Score
You probably have several credit scores.

Credit Cards
There are three basic charges that you can use credit cards.

Secured Credit Cards
Credit cards for people who have poor or no credit.

Debit Cards
Debit cards are very convenient without the danger of debt.

Creditors and Collection Agencies
Creditors are lenders who extend a line of credit.

Credit card interest rates
Least understood and usually the most dangerous. (don)
 
 
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