Maintain your old Siemens Hipath system

Read and Understand Your Credit Card Statement

Have you ever looked at your credit card statement and ended up just scratching your head in frustration? Well join the club! But don't take any comfort in the fact that you have plenty of company, because lack of knowledge can cost you?.right on your credit report, and once there can stay with you a while.

Adding to the challenge is that almost every creditor's statement is slightly different, varying in format and billing cycle and interest calculations. You first want to check what you purchased and what you borrowed, so make sure you save all your receipts to make sure you weren't charged for something you didn't buy or were double billed. Immediately dispute any discrepancies via phone and in writing.

Next you'll want to verify the interest rates being applied for each type of purchase. Remember, cash advances almost always carry a higher interest than normal purchases and interest usually accrues from the date you received the money. Also, if you have any balance transfers with introductory interest rates, verify that it is correctly noted and hasn't been increased prematurely.

Review how your interest is calculated (this information is usually on the back of your statement) and make sure that the right rate has been used for each category. On purchases, most cards take your average daily balance over the billing cycle and divide it by one-twelfth of your annual percentage rate (APR).

Lastly, but maybe most importantly, make sure you send your payment in well before the due date. In order to have your payment credited on time to avoid a late fee, it must be posted by the due date shown on the statement. Therefore, if paying by mail, it is advisable to mail your payment at least a week in advance. For those whose cash flow doesn't allow an early remittance, paying by phone or on-line might be a good alternative.

The Credit Counseling Foundation, Inc provides web-based education and personalized consumer credit counseling to clients and the general public in an effort to help consumers use credit wisely. Visit target="_new" us at www.godebtfree.com

In The News:

'Yemen war can end if world acts now'
Fri, 16 Nov 2018 18:51:00 +0000
The world must act now to end the war in Yemen and save millions of people from the brink of famine, the man who is trying to broker a peace deal has told Sky News.

Judge orders White House to restore CNN reporter's access
Fri, 16 Nov 2018 15:30:00 +0000
A judge has ordered the White House to return the press credentials of banned CNN reporter Jim Acosta following his row with Donald Trump.

Yemen peace talks poised to go ahead, says UN envoy
Thu, 15 Nov 2018 23:04:00 +0000
The man trying to broker peace in Yemen said he is hopeful a new round of talks between the warring sides will begin within weeks provided a lull in fighting for a key port city holds.

Khashoggi supporters defend free speech at symbolic funeral
Fri, 16 Nov 2018 14:28:00 +0000
A cold wind swept through the courtyard of Fatih Mosque in one of Istanbul's most conservative neighbourhoods.

Royal Navy frigate scrambled to shadow Russian warship
Fri, 16 Nov 2018 15:06:00 +0000
A Royal Navy frigate is shadowing and monitoring a Russian warship travelling through the English Channel, in an attempt to protect UK waters.



tikatoshop.it

Erfahrungen mit Pallhuber Wein
Agen Bola SBOBET Terpercaya

Travel in comfort and at your leisure with CT Airlink Limousine & Car Service for top quality private transportation and exceptional customer service. We operate Sedans, SUVs & Vans for CT Car Services to covering all Connecticut airports including Car Service from CT to Newark Airport , Mohegan Casino Uncasville CT, Foxwoods Casino Mashantucket CT, Manhattan Cruise Terminal NYC, Brooklyn Cruise Terminal NYC and Bayonne Cruise Terminal NJ. CT Airlink hire licensed and friendly chauffeurs who have in-depth knowledge of the Areas.

Always Avoid Payment Holidays

Once you've been paying off a credit card for a... Read More

Beginners Guide to Credit

I remember back when I was 18 and completely oblivious... Read More

Tips For Getting Your First Credit Card

Most of us get a credit card on our name... Read More

Low Interest Credit Cards: A Thing of the Past?

With interest rates rising, low or zero percent credit cards... Read More

Warning: Free Credit Report Imposter Websites Springing Up on the Web

A recent amendment to the federal Fair Credit Reporting Act... Read More

Using Credit Cards Wisely

"I think money was stolen from my card" or "I... Read More

All About Balance Transfers

What is a balance transfer?A balance transfer can be explained... Read More

What is a Credit Report?

Ever wondered what is a credit report? If you've ever... Read More

Making Sense of the Information in Your Credit Report

If you've ever applied for a credit card or loan,... Read More

How Healthy Is Your Credit

There's only one way to discover the "health" of your... Read More

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2

Credit counseling companies come in all shapes and sizes. Whether... Read More

Making Sense of Credit Card Fees

In addition to the APR (annual percentage rate) and the... Read More

Good Credit is King, When Qualifying for Mortgage Programs

If you want to purchase a new home or refinance... Read More

Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report

The three major credit bureaus, Experian, Equifax and Trans Union... Read More

Establishing Credit ? What You Need To Know Part 1

Establishing credit is one of the most important things you... Read More

Understanding Credit Card Penalties

Because most of us have one or two credit cards... Read More

Credit Help For Renters And Others On The Horizon

Sue is a homeowner and pays her mortgage and other... Read More

Credit Problems? Heres How to Manage Your Creditors

If you find that creditors are calling you almost daily... Read More

Credit Repair Scams

"Erase Bad Debt !""Remove Negative Items From Your Credit Report"You've... Read More

How a Credit Card Can Be Your Friend

We have all heard countless stories of people over their... Read More

Credit Worthiness

Credit Worthiness is an important business and personal asset each... Read More

Saving Money with Credit Cards

Having a credit card is a wonderful convenience for those... Read More

Your Credit Score

Credit scores: all lenders use credit scores to determine interest... Read More

My Student Credit Card Adventure

And some practical advice too!My first credit card?I remember my... Read More

First Major Regulatory and Legislative Victory of 2005 for Creditors and Consumers

Under the Fair Debt Collection Practices Act, collectors are not... Read More