The decision to apply for your first credit card is a big one. On one side, you’re excited about the prospect of using this tool to improve your finances. Conversely, you may have some concerns about making a financial mistake that costs you now and in the future.

There is no right or wrong way to apply for your first credit card, but there are some tips you can follow to ease the stress and put yourself on the right path to success.…
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It happens to even the most financially responsible consumers. You have every intention of paying your credit card bill on time, but for one reason or another it slips your mind. Soon enough, you realize that you missed the due date and could be in trouble.

Here are some steps you can take to lessen the impact of a late credit card payment:

1. Pay the Bill

It doesn’t matter if you make the minimum payment or clear the entire balance, do so as quickly as possible.…
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There is no worse feeling than staring at a credit card bill that you can’t afford to pay. You want nothing more than to eliminate (or reduce) this debt, but realize that it’s not possible to do so right now.

Despite your situation, there are steps you can take to dig your way out of trouble.…
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Are you planning an overseas trip? Do you have questions about the best way to make purchases? Are you interested in using your credit card, but unsure if it’s a good idea?

Here are a few things to keep in mind before you grab your plastic and jump on a plane:

1.…
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With so many rewards credit cards to choose from, it can take quite some time to learn more about every offer that’s available. While every card has something unique to offer, you don’t want to make a final decision until you’re sure that you’re getting exactly what you want.

Fortunately, by answering a few key questions, you can narrow your options and choose the rewards credit card that best suits your finances.…
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Many people obtain a credit card with the idea that they will only use it for emergency purposes. While there’s nothing wrong with this, it does lead to an important question: what constitutes an emergency?

There is no right or wrong answer to this question, as it’s based largely on your personal situation, finances, and views on the world.…
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Don’t be surprised if there comes a point in your life when you want to increase your credit card limit. While you don’t see anything wrong with this, the decision ultimately rests with your credit card issuer.

Of course, your credit card company won’t know you want an increase unless you ask.…
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Nothing harms your credit score quite like a late payment. If you get into the habit of paying your bills past the due date, you can expect it to take a toll on your score.

Fortunately, there are many things you can do to avoid late credit card payments. It all comes down to finding a system that works for you, your budget, and your financial style.…
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When you apply for a credit card you hope to receive an instant approval. When this happens, it won’t be long before you’re able to use your credit card and take advantage of its many benefits.

Unfortunately, there is no guarantee of an approval. There are many reasons for a credit card denial, with the following among the most common:

• You have too much debt.

In today’s day and age, many people shy away from contacting their credit card company by phone. Instead, they assume that email and/or live chat is all they need to get their questions answered.

While there is nothing wrong with taking advantage of technology, there are times when a phone call is the best way to get in touch.…
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