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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Here’s What Your Credit Card Company Doesn’t Want You To Know

[March 19th, 2017]

If you have a credit card, or maybe several, you might feel like you know all there is to know about using it. Your credit card issuer likely sends you mail, email, and maybe even text alerts to stay in frequent communication with you, giving you all the information you need to use your card. This probably includes notifications about payment due dates, special offers, and information about promotions and rewards.

But there may be a few things they don’t advertise, too. These are the things they don’t want you to know about, but that a smart credit card holder can use to their advantage.

Here are the top things to know about credit cards, so you won’t be in the dark about any of the ins and outs of your account, or the benefits you could be reaping:

You don’t need to pay fees. If you think late fees and over-the-limit fees are just part of the price of admission for using credit cards, think again. There are credit cards on the market that don’t charge either of these fees; if you don’t have one, consider applying for one.

Annual fees are another thing you don’t need to pay. There are plenty of cards that don’t charge you anything for the privilege of being a member. And if you do have a credit card with an annual fee, you can often have it waived just by calling up and asking. If you’re a good customer, your card issuer will value you enough to keep you – so there’s no harm in asking to have fees waived.

Paying interest is unnecessary. If you have a balance on your card and you’re trying to pay it off, transfer it to a card with a zero percent APR balance transfer offer; you’ll save potentially hundreds of dollars in the long run and pay your debt off much faster. With all the great balance transfer offers out there these days, there’s really no reason to ever pay interest on a revolving balance.

Once you know these tips, you’ll be able to get much more out of your credit cards. And don’t forget to redeem any rewards, while you’re at it.

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