Using the tipping system at restaurants cleverly can yield better services in future. Always make sure you pay the tip in cash. Paying by credit will only delay the payment by one or two weeks. Also, avoid paying tip in pennies or coins.
Although your credit card privileges lapse once your card is declined, you still have a chance to maintain your optimum score by paying off the balance regularly. Once your card get’s declined you will need to make repayment but not immediately. Federal laws allow the card issuer certain options.
Building a decent credit credential is critical to your future credit needs. A healthy credit score, for example, can help you stand you in good stead and get loans easily. Building yourself a healthy credit is a gradual process and there are many hacks that could help you build it easily. If you are looking for building your credit, read these five useful tips.
Having poor credit might have a negative impact on your personal finances. However, it is not the end of the world. If you are hit with a credit issue due to job loss, bad economy or unforeseen circumstances, you still have an opportunity to raise your credit. Learn how to raise your credit in challenging circumstances with these four useful tips.
If you want to make the lurking shadow of debt go away, you need to take some serious and stringent actions to yield the expected results. Here are some tips to help you come out of the sea of your debts.
Credit card penalty rates can bring you big fat monthly bill which is difficult to pay off. So if you do not want your bills to keep rising sky high follow these simple steps and stay safe. When you make payments, ensure that you pay the bill from an overdraft protected account so that your checks do not bounce, thus avoiding another circumstance that can increase the penalty rate.
Credit card frauds and thefts have become common instances. Follow these safety tips and make sure you do not risk losing your credit card or sharing important information with frauds. Make sure you keep your credit cards in your wallets. If you are shopping in a crowded place bring the one or two credit or debit cards you need to use and keep the rest at home. Do not keep them exposed for a long time. Thieves may take pictures of the cards and steal the information.
A small mistake in handling your credit can damage your credit card scores heavily. At times, a single error can keep you in the ruins even for more than a year. But do not worry. There are some perfectly legal methods which can speed up the recovery process. But remember, it will work only for a short period. You will have to make your financial issues stable or you may again see a steep drop in your scores.