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How to Spot Credit Card Fraud

Credit card fraud is a big problem in today’s world. And it can be a huge hassle to fix. But in order for you to fix the damage, you must first know that someone is using your credit card. This sounds quite simple, but many people don’t even realize that someone has stolen their identity. And you don’t want to wait until it is too late.
 
So, what should you do to quickly spot fraud?

Should You Freeze Your Credit?

It is important to take secure measures to protect yourself from identity theft. And with all the hackings at Target and other large retail stores, this has become even clearer recently. In the past, you may have thought that keeping your credit card information private and close to you at all times would stop identity theft. But with the new hackings, it looks like that’s not enough anymore. Hackers can get your information simply because you used your credit card. And then they can start running up charges on your existing accounts or opening new ones.
 

Millenials, When Should You Start Saving for Retirement?

For young adults, retirement may seem like a lifetime away. You’re just now starting to build your life, and you probably have rent, utilities, necessities, and other loans to pay off. With a low income and high expenses, retiring is the least of your priorities. So, it’s very easy to forget about saving for the future.
 

6 Ways to Stop Overspending

Do you wonder why all your money disappears so fast? Do you constantly find yourself overspending? Do you reach or exceed your credit limit often? 
 

How to Get the Best Credit Card Deal

There are hundreds of credit cards on the market, and it can be hard to separate the good cards from the bad. Every credit card has its own marketing campaign, and they may send out offer letters and pamphlets detailing the great qualities of that card. But, what they advertise may not always be what you get. Many cards show off their rewards, while minimizing the talk about fee, interest rates, and other things you may not find enticing. So, before you fall for a flashy credit card offer, ask the following questions and decide if it is really right for you.
 

Credit Card Churning: Should You Do It?

Free flights, hotel stays, cruises, discounted travels... these are just some of the many rewards that you can earn by using a travel credit card. So, in the hopes of earning more of these rewards, an increasing number of people have started to make a habit of opening multiple credit cards at once to get the points. While this may seem like a great idea in theory, it can be very damaging to your finances.

All You Need to Know About Co-Branded Credit Cards

If you spend a lot of money with a specific retailer or airline, you may want to look into getting a co-branded credit card, also known as a “theme” or “specialty” credit card. These credit cards are sponsored by two parties: one is the bank or card network (ex: Visa, MasterCard, American Express) and the other is typically a retail merchant of your choice (ex: Delta, Hilton, Disney). With a co-branded credit card, you can earn significant rewards and merchandise discounts when buying from the sponsoring merchant. 

Best Credit Cards for the Multitasking Moms

Being a parent means multitasking. Whether it be running to the drugstore, picking your kids up from soccer, or making dinner for the family, you are constantly busy doing things for your children. And all these things costs money. Prescriptions, gas, food, clothing- they might be small, but they add up fast.
 

Common Credit Card Terms Explained

Without understanding basic credit card lingo, you can easily find yourself confused and in debt. There are many terms that credit card offers and statements throw around that you may not know. So, it is important to familiarize yourself with these terms before you get into something you may not want. The following definitions can help you better understand commonly used words and phrases in the credit card industry.

How Can I Get a Lower Interest Rate on My Credit Card?

Are you paying more in credit card interest than seems fair?
 
If so, you may want to consider calling your credit card company. Although it may seem too good to be true, simply calling your credit card provider and telling them that you are unhappy with your current interest rate can get them to lower it. Credit card issuers want to keep their customers happy, so as long as you have a good payment history and your balance is low, most card issuers will be eager to please you to keep your business.
 

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