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Credit cards are unstructured debt accounts linked to a plastic card that allows the holder to make purchases from retailers that accept the card. Common credit card networks in the U.S. include Visa, MasterCard, Discover, and American Express.

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The companies do market analysis and learn/guess what will help them sell their services over their competitors. The items that attract most people are put in front. Items that are offered because a …
answered Dec 21 '18 by Xalorous
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You will receive a monthly bill regardless of your balance. If you follow the terms of the introductory offer to the letter, your balance at the end of the introductory offer will be zero. Keep yo …
answered Sep 2 '16 by Xalorous
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I know you say you are aware of secured and unsecured debt and you've made your decision. Did you do the numbers? You will pay 44k over the life of the mortgage for that 24k (Based on 4.5% APR mortg …
answered May 12 '17 by Xalorous
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Edit: The answer is, "Not Very". 3-D Secure is not very well received, many of us who opted in have since opted out. MasterCard Secure Code was used by my bank for my debit card. It was an opt in …
answered Aug 19 '16 by Xalorous
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https://www.creditkarma.com/credit-cards/i/unauthorized-credit-inquiry/ This is similar to what you report. Look in the fine print of the document(s) you signed. I'm betting they have some fine …
answered Mar 15 by Xalorous
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If you want to stay in the sub 30% range to avoid 'high utilization' on your card, make sure your credit is > 3.33x your usage. For your numbers, a 2500 limit would probably keep you out of 'high uti …
answered Jul 17 '17 by Xalorous
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Since nobody put this in an answer, I will. In the case where you will be making a major purchase where credit history will have an impact, keeping the card open until after that purchase may be wort …
answered Aug 17 '16 by Xalorous
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See the accepted answer for this question. What effect will credit card churning for frequent flyer miles have on my credit score? This does not directly answer 'how often...' that you asked, but it …
answered Oct 20 '16 by Xalorous
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First, contact your credit card company and explain the problem to them, to ensure that they never pay any money to this company. Second, research the US postal code. Somewhere it says that if you r …
answered Nov 30 '17 by Xalorous
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First off, don't carry a balance on your credit cards. Pay them in full each month and your credit score will increase. Second, if you have to carry a balance, do it on a 0% card. (At least one car …
answered Nov 29 '17 by Xalorous
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So My question is. Is my credit score going to be hit? Yes it will affect your credit. Not as much as missing payments on the debt, which remains even if the credit line is closed, and not as m …
answered Oct 30 '17 by Xalorous
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Use a budget tracking software where you forecast where all your money will go as soon as you get it. Then you record all transactions and adjust the budget as the money goes out to reflect reality, …
answered Nov 10 '16 by Xalorous
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You can also take a major credit card to almost any bank, walk up to the counter, and take a cash advance there as well. Doing it at the counter will save you the ATM fee, though the bank may charge …
answered Apr 21 '17 by Xalorous
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Be very careful here. You should definitely phone the card company and confirm that they are the ones who sent you this letter. This could be a scam. Update: Per the comments, always use a phone n …
answered Oct 19 '16 by Xalorous
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Build your credit history by paying the credit accounts you have on time. Review these periodically and close the ones you do not need. Ignore your score until it is time to make a large purchase. …
answered Jul 19 '17 by Xalorous